BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: FL
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:
It was as said important issue to XXXX XXXX XXXX, in XXXX statesman fot for myself to accrumis & at XXXX  ad Lock my XXXX  Account, till after swl due disissued parsengant left myself XXXX & XXXX jailed PRS listed at posthumous.With all timing equas after mother 's birth mot month.XXXX XXXX XXXX deweed themselves as it "? " were.Or Grandeur would See War and Politician Workers.This is Unexpected of the XXXX Credit Reporting Group and Announcement needs Anoiting to VP ( # ) XXXX XXXX  @ XXXX ( # ) XXXX.thank.you please referenceXXXX XXXX XXXXXXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Vengroff Williams, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a notice from Vengroff williams , Inc a bill collector for a XXXX XXXX debt of {$1000.00}. I have never rented from XXXX and upon a call to XXXX, I have proof that I was working in GA when this fraudulent rental took place in XXXX NY. I have never been to New York. The XXXX agent said a DL was used and it wasn't me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The dept collect XXXX XXXX has put a collection on my credit port about a PayPal account that i do not have nor is it on my credit report. This company can not collect on a debt that is more then 6 years old by Georgia law. Therefore this is illegal to report this dead account on my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX. Actions on simple written contracts ; exceptions. 
All actions upon simple contracts in writing shall be brought within six years after the same become due and payable. " *** Therefore since the ordinal creditor *PayPal* did not seek to collect within Georgia law time period of 6 years. The debt is now illegal to collect on and is not even on my credit report anymore.

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 2023-11-07
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions Reported 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 explanation
Consumer complaint received 2023-12-08
Company: SYNCHRONY FINANCIAL
State: WI
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:
I looked on my XXXX XXXX  account and saw hard inquiries from different companies that I've never heard of and definitely didn't authorize to pull my credit. According to the FCRA these unverified and unauthorized items must be removed. 

-Syncb/amazon XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -SYNCHRONY FINANCIAL XX/XX/XXXX The rest are my open accounts. 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 2023-12-13
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In XXXX I was denied credit after applying in SAMS CLUB. I called bank for underwriter where i was transferred back and forth and advised to apply again. On or about XX/XX/2023 I received a letter for denial of credit by Synchrony Bank for SAM 'S CLUB. However, I claim all rights, titles, and equitable interest in accepted applications and securities. In response to denial I sent letter to XXXX XXXX XXXX of Synchrony Financial with no direct response but i did get response from XXXX XXXX ( Office the President ) who claims she was directed by XXXX XXXX. No questions were answered to any satisfaction. I responded to make aware of my rights for resolution to no desired response for denial of my right to credit. Sent follow up email and reached out by phone with no additional response. 

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 2023-11-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
We closed on our home XXXX XXXX. The loan originated with XXXX XXXX XXXX  XXXX Original Loan Amt was {$440000.00}. The first payment due with XXXX XXXX was on XXXX XXXX, XXXX. I was told, by XXXX XXXX, if my loan is sold before XXXX XXXX that I would not owe a payment. The Loan was told to Penny Mac late XXXX XXXX. I was told by XXXX XXXX XXXX  no payment was due to them on XXXX XXXX, XXXX. I received an statement from Pennymac for payment due on XXXX XXXX XXXX. The payment was made to Pennymac. I just received a letter from XXXX XXXX XXXX  saying I owe them an XXXX XXXX, XXXX  payment. I have called Pennymac several times for them to explain why the mortgage loan shows, on their end, the full amt of {$440000.00} and not minus the amount XXXX XXXX says I owe them. I have asked to speak to management and still nothing. XXXX XXXX XXXX  says Pennymac purchased the Loan for {$440000.00} which should have included the XXXX XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on.

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 2023-07-15
Company: EQUIFAX, 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:
This is my 10th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$540.00} XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: WELLS FARGO & COMPANY
State: AZ
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 called in after I was under duress in an International Airport to stop/cancel a transaction for an Emergency XXXX XXXX XXXXXXXX that was made on my Wells Fargo checking account and they failed to do so, and would not help me at all.

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 2023-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/2022 I was scammed out of {$150.00}. The representative that I spoke to had confirmed that it was fraud, but then said they could not recover the {$150.00} b/c the scammer had closed down the account. The scammer was paid {$150.00} through XXXX, but no item was ever sent and this was all perpetrated through XXXX and captial one, via XXXX. I have previously submitted a complaint, but the company then responded that there was no fraud- which was in dispute with what they had verified with me previously. 

The fact that I reported this fraud within XXXX hours and the company is unable to rectify this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Fig Tech Inc.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Per the Company 's website, you need to have deposits of at least {$1400.00} a month, but on my account, my deposits from working were only {$1200.00} ( my income had recently dropped dramatically, and I didn't realize it due to medical issues ), and the other deposits were another payday loan and money I borrowed from family. They also state that you should have a positive account balance my account was negative $ XXXX, and last but not least, an excessive amount of overdraft fees XXXX in XXXX, XXXX in XXXX, and XXXX in XXXX. I've been dealing with a lot of health issues, and my new medications at that point made it easy to miss things that I normally would catch on to but this is why its also up to the lender I certainly couldn't afford the loan then or now and they knew it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
The account in question was fully settled in 2020 with the understanding that it would be removed post-payment. Furthermore, the account 's charge-off was a result of financial challenges during the COVID-19 pandemic. According to the CARES Act, I am entitled to protection, and this account should not be appearing on my credit report. It is also important to note that the information being furnished is inconsistent between the 3 bureaus which is a violation of the FCRA and I can take legal action due to any hindrance your inaccurate reporting has caused me. I kindly request the removal or an update to " paid as agreed, never late '' for the following account : Capital One XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: FL
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:
There are accounts that were opened as a result of identity theft and are reporting to my consumer file. There is also incorrect information that does not belong to me being reported, such as names, addresses, phone numbers and employment. My information was compromised and used without my permission. I have brought this to the attention of Experian, XXXX and XXXX and submitted my ID Theft report along with proof of identity, however they are still reporting accounts and information that does 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 2023-03-05
Company: EQUIFAX, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: VA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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, has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: OH
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:
the is an collection on my credit report that does not belong to me and i have a legal right to dispute anything on my credit report that does not belong to me according to the FDCPA. HERE IS THE ACCOUNT : XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ; Account name : XXXX XXXX XXXX, XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 non-monetary relief
Consumer complaint received 2023-08-17
Company: EQUIFAX, 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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Accounts 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX XXXX Account Number XXXX Delete this account. 

15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX Account Number XXXX Delete this account. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY BANK XXXX XXXX Account Number XXXX Delete this account From My Credit Report Personal information is incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: Bread Financial Holdings, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted XXXX XXXX XXXX XXXX regarding erroneous information that is showing on my credit file, however, this company refuses to send detailed information validating this debt. I have requested multiple times for XXXX XXXX XXXX XXXX to forward a detail of the charges including original creditor to the address on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 numerous 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXXXXXX XXXX XXXX Balance {$8600.00} ; XXXX XXXX XXXX Balance XXXX {$8600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; 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 explanation