BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-30
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Many accounts were opened since XXXX 2015, due to Synchrony Bank 's failure to conduct proper process and procedures relative to granting credit. For months, Synchrony Bank has failed to cease opening fraudulent accounts in my name that incur criminally-based purchases. A review of my activity within the Institution clearly indicates a consistent stream of accounts that were opened even though the Bank was officially notified of my identify fraud situation. I filed police report information with the Bank and was promised profusely that this harassment would end. The lack of professional ethics and negligence by Synchrony regarding granting consumer credit is astounding. Security freezes, one 's prior history of improper Bank activity relative to her or his good name, overt warnings on all credit reports identifying not to extend credit without direct contact, and repetitive pushing back fraudulent charges, appear meaningless as Synchrony extends credit to the exact address placed in the police report. 
As an American citizen, I am appalled. The Bank seems to litter unsecured credit wherever it can ; therefore, I can not believe that I am unique in this credit-approval processes. To think that it appears meaningless to write-off all these purchases, thus, forcing the American public to 'eat ' the Bank 's poor business practices, reinforces the cultural image of distain for this industry. 
The countless hours of filing reports, writing letters, and telephone-holding with both credit bureaus and the Bank 's Fraud Department trying to remedy Synchrony 's inappropriate use of my identity sincerely contributes to being a victim of a major crime.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
We sold our house when it was past due, but were able to get the sale completed before the foreclosure occurred. The account is misreporting the status as " Foreclosure '' and the comment " Foreclosure proceeding started '' is not valid either on EXPERIAN. The account is reporting correctly to the other two bureaus. This is inhibiting us from being approved for a new home loan and demand this error be corrected ASAP. I have tried to contact the bank but unable to get through to someone able to help.

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 2021-07-29
Company: EQUIFAX, INC.
State: WA
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 negotiated a settlement on an XXXX XXXX XXXX account with XXXX XXXX ( file number XXXX original amount {$1900.00} ). I have attached a copy of their letter agreeing to settle the bill for {$250.00} and remove the balance from my file. 

I have also attached a copy of my payment of this amount. 

They simply applied the payment to the balance and left a residual balance on my credit files. I disputed this with all three bureau and the balance remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: SC
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 have been contacting the credit bureaus since XX/XX/2021 because of identity theft. I have submitted to them a copy of the police report and FTC report. I asked them to verify the information and although my request meets the FCRA requirements, they will not remove the accounts. They are also reporting these accounts as current which is completely false and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have been contacting the credit bureaus since XX/XX/2021 because of identity theft. I have submitted to them a copy of the police report and FTC report. I asked them to verify the information and although my request meets the FCRA requirements, they will not remove the accounts. They are also reporting these accounts as current which is completely false and inaccurate.

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 2015-10-26
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I received a private loan from XXXX XXXX in 2010 for my undergraduate studies at XXXX XXXX XXXX. Upon graduation, I attended XXXX school at XXXX. I eventually deferred my loan repayments ( which took months ). I recently found out that Navient took over my loan repayments ( XXXX XXXX did not inform me ). Since last week, my mother ( co-signer ) and I have been receiving calls from Navient, not during business hours, about paying. I logged into my Navient account for the first time today and it said I defaulted of my XX/XX/XXXX payment which was supposed to be deferred since I am still in XXXX school. Now i have to re-apply for deferment which I fear may take months and may negatively affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
My HELOC matures in XXXX 2015 with Bank of America. I have submitted a request for renewal and my wife and I have FICO scores in the XXXX, have {$1000000.00} in an IRA account, and {$100000.00} in our investment account, owe {$19000.00} on my XXXX mortgage, which I am willing to payoff, as well as a car loan which is for my mother 's car in the amount of {$7000.00}. We are both self-employed and the bank has taken our net income as our personal income. They also include our XXXX car leases in the total amount {$930.00} per month as personal debt, although we have expense all lease and other car expenses through our respective business. Based on my payoff of my XXXX mortgage, car loan and proving that the car leases have been deducted through our business income, and meeting the now debt to income ratio, they will not approve the renewal unless I prove that the car leases are for business. My house is appraised for {$800000.00} with the only remaining debt being this HELOC at {$200000.00}. I believe the bank does not understand self-employment borrowers by way of adding business expenses as car leases in their debt formula, but not crediting back the expense on your tax return.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I had the intention of purchasing a puppy from this website : XXXX After email communication with this seller - I was asked to make a payment through XXXX. My bank account uses the XXXX payment system. I initiated the payment and during this time was realizing that things seemed out of sorts and that I was potentially being scammed. I did verify with the bank that I had initiated the payment- so Chase Bank did continue to process my request. After I realized the scam, I called my bank because the payment did say it was still pending. But Chase told me there was no way to reverse the transfer of the funds. I deposit quite a bit of money into my Chase bank accounts- personally and for business. And I would have hoped that they could provide more protection of my funds and use a payment system that protected against fraud. 
Anyhow, I was told by Chase to call XXXX and they provided me with a customer service number. When I called a recorded message came on to say that there was no way to recover funds sent through my bank- they would only be able to assist me or answer questions if I used the actual app for XXXX XXXX This happened on XX/XX/2021. I was scammed out of {$1000.00}. Both Chase and XXXX had nothing to offer me in order to recover my funds- no buyer protection!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am receiving a generic phone call from a computer telling me to call them back. When I researched the company, they are not a legit company, they are fishing for information. I do not own any debt with them. The phone number is XXXX The company is called Dynamic Recovery Solutions. I knew not to call them back, since it was a computer. I am on the do not call list. Please stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Experian Information Solutions Inc.
State: AR
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 was trying to purchase my first home and I decided to go through a first-time homeowner 's program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$9500.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$290.00}

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 2017-05-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I tried disputing incorrect information on my credit report from addresses that do not belong to me that are linked to accounts that do not belong to me and the results came back from the investigation stating the account has been updated. I tired calling in several times but still no luck. I told them that I am a victim of identity theft.

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 2016-07-07
Company: Risecredit, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Upon checking my credit report, I noticed an account by the name of rise reporting to XXXX concerning me. I called and spoke with a XXXX agent with my concerns and inform them this was n't my account. The agent replied to me that the account was in good standards and as I told him, I do n't care it was n't my account and to remove it. I 've been a victim of Identity theft and I 've filed a police report case number XXXX Officer XXXX with the XXXX, Alabama XXXX Police Department. number XXXX. I 've also sent a Certified Letter with a returned receipt that I have to XXXX XXXX and Rise also the other credit reporting agent concerning this Rise Account along with a police report and Identity Theft notarized affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
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: Information belongs to someone else

Complaint:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: JPMORGAN CHASE & CO.
State: WI
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:
I received a credit card in the mail from Chase. I never signed up for the credit card. The card I received in the mail has my information on it and account information for something I never signed-up for. I have been trying to reach Chase to figure out what happened and how they created a credit card account without my permission. Due to COVID-19, I am having trouble getting a hold of Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-05
Company: JPMORGAN CHASE & CO.
State: CA
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:
Hi, On XX/XX/XXXX I found a transactions I did not made them for XXXX XXXX and others I filed a claim with Chase bank credit card The Chase bank wave these transactions on XX/XX/XXXX and everything is good One or more of these transactions was for a company called ( XXXX ) This company sending me emails and mails every day that they will send this invoices to collection company. 

I called Chase bank on XX/XX/XXXX and asked them to help me and contact this company to inform the company that I did not made these transactions and they have to stop sending me XXXX mail and emails. the chase bank customer service answered me that he can not do anything. 

Please help me because I did not made these transactions and I do not want they send these invoices to concoction company and harm my credit score Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TD BANK US HOLDING COMPANY
State: NY
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:
On XX/XX/2022, I received the following alert from XXXX For a Hard Credit Report Inquiry For a TD Bank Installment Loan or Bank Account. 

I have never had an account with this bank and have never applied for an account with this bank. TD Bank and XXXX  have been notified. And I need this Inquiry Taken off my Credit Report. 

A Police Report Regarding this Issue was filed with the XXXX XXXX  XXXX Police Department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-30
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:
On XX/XX/XXXX someone committed ID fraud and opened a bank account with XXXX XXXX XXXX. The company details from this hard inquiry on my credit report are : " XXXX XXXX XXXX XXXX XXXX, XXXX XXXX / XXXX XXXX XXXX XXXX, VA XXXX XXXX. 

On XX/XX/XXXX XXXX  submitted a Credit Bureau Dispute to Equifax to remove the hard inquiry from my consumer credit report, due to ID theft. 

On XX/XX/XXXX this inquiry was still not removed. 

On XX/XX/XXXX I filled an online dispute with Equifax and this was reviewed, their response : " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : Equifax Info Svcs., XXXX XXXX XXXX, XXXX , GA XXXX Phone : ( XXXX ) XXXX '' On XX/XX/XXXX I tried calling Equifax for the past few days during business hours, was on hold for 2 hours, was unable to speak to anyone on the phone about this. The website also doesn't let me further dispute or give them more info or documents. 

I messaged Equifax on XXXX and also didn't receive a response there. 

I'm trying to refinance my home and this is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Capital One is reporting an account on my file that says " Authorized User ''. I do not recall ever being added onto anyones account. This account is not recognizable to me and you have nothing signed from me binding me to this account. I do not know whos account this is and I must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: Experian Information Solutions Inc.
State: NY
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:
After checking my credit report and I saw several things I did not initiate or authorize, I have been in contact with agents from all bureaus and they are giving me the run around about deleting information that doesn't belong to me. They are reporting inaccurate information which is a direct violation of the FCRA. Now as a result, I have inquiries on my credit file/report that do not belong 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 2021-07-29
Company: MoneyLion Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A Moneylion account was opened under my name on XX/XX/2021 in the amount of {$1000.00}. This account was not opened by me, it has been affecting the closing of my first home. I have been trying to contact the fraud department of Moneylion multiple times and they always tell me that i will get a call back. Nothing has been done. This is a fraud account. They said that they would close this account which they never did and have been reporting late payments and this has been affecting my credit score greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: First American Solutions, LLC
State: OH
Product: Payday loan
Issue: Can't contact lender

Complaint:
Keep receiving calls from First American Solutions, LLC about a payday loan from 2010, insisting I did not repay the loan. They do not give any details about the loan, just that you will be served papers and call them back immediately. I googled the number at XXXX, saw several online comments about this being a Scam company. They tell you if you do not respond within 48 hours you will be prosecuted and going to jail, threatening you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: AES/PHEAA
State: NY
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:
XXXX or the FedLoan Consolidation Department, sent me a letter stating I must urgently change my loan provider ( during a national pandemic ). They used words like due to Covid the current administration might get rid of student loan programs You must enroll now to be forgiven under the department of Education. This is false because they are charging an {$800.00} fee to be paid in 3 payments in order to join their program plus a {$39.00} a month fee for 240 months. This is a scam and should not be placed or forced on civil servants. The guy XXXX XXXX also told me I can contact him directly and the number is no longer in service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: I.C. System, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Credit reporting company and hospital ( XXXX Hospital ) is reporting medical information without my consent/authorization, in clear violation if HIPPA regulations. 

I am requesting credit reporting agency, debt collector and alleged credit to immediately remove my medical and related information immediately,

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 2022-04-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Text XXXX From Fifth Third Bank : We have placed temporal hold on your account. Proper verification needed below. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: BB&T CORPORATION
State: NV
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fees

Complaint:
I received a gift card in XX/XX/2011 and went to use it and found out that I was charged {$3.00} per month repeatedly due to non-activity. I have researched this and found out that my state ( NV ) does not allow a fee higher than {$1.00} per month. When I called the company to ask about it they said that the federal law trumps state law, which to my understanding is not true when the state law provides more consumer protection then federal law. Please advise whether or not this is true because I feel they are fraudulently charging NV consumers thousands or more dollars per month. They claim it is legal because federal law says they can but XXXX says they ca n't.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation