BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: NY
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you regarding my credit report, which I recently obtained and noticed that there are several inaccuracies and discrepancies on it. Specifically, I have identified the following negative information that requires your immediate attention and correction : The personal information listed in my report is incorrect, particularly the account number and previous address of XXXX XXXX XXXX XXXX XXXX, SC XXXX in XX/XX/XXXX. This address is not correct, and I am requesting that it be deleted immediately from my credit report. 

The personal information listed in my report is incorrect, particularly the account number and previous address of XXXX XXXX XXXX XXXX, NY XXXX in XX/XX/XXXX. This address is not correct, and I am requesting that it be deleted immediately from my credit report. 

The personal information listed in my report is incorrect, particularly the account number and previous address of XXXX XXXX XXXX XXXX, SC XXXX in XX/XX/XXXX. This address is not correct, and I am requesting that it be deleted immediately from my credit report. 

There is an account listed under XXXX XXXX XXXX with the account number of XXXX. I am requesting that you verify the payment status, balance, comments, payment history and account number, as they may be incorrect. If any discrepancies are found, please fix or delete this account from my report completely. 

There is an account listed under XXXX XXXX XXXX with the account number of XXXX. I am requesting that you verify the payment status, balance, comments, payment history and account number, as they XXXX be incorrect. If any discrepancies are found, please fix or delete this account from my report completely. 

There is an account listed under XXXX - XXXX XXXX with the account number of XXXX. I am requesting that you verify the payment status, balance, comments, payment history and account number, as they may be incorrect. If any discrepancies are found, please fix or delete this account from my report completely. 

I would appreciate it if you could investigate these issues and make the necessary corrections to my credit report as soon as possible. I am actively working on improving my credit score, and these inaccuracies are hindering my progress. Please let me know once these issues have been addressed and resolved. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: SYNCHRONY FINANCIAL
State: GA
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:
The following credit cards do NOT show accurate information and are not reporting timely or should be virtual reporting .... or Credit Bureaus are not updating. 

Care Credit ( Synchrony Bank aka PayPal ) XXXX XXXX ( Personal Cards showing on Credit Report )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I found this scam company posing as XXXX XXXX ( a clone if you will ). And decided to invest in this fraudulent company on their instructions. Due to Coinbase 's negligence i lost XXXX XXXX and XXXX XXXX. I transferred money from my coinbase account on their instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: DC
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:
Ive been trying to fix this issue with Equifax for XXXX years now with them reporting incorrect information on my credit file information being removed and they refused to fix the issue telling me its a glitch with the system. I had to shut my account down XXXX to hope and pray to get the issue fix they have someone else social security number under and account thats not mines in my information as you will see this in my report and when I contact them they tells me they dont se it this is a major violation of my rights. 

Ive enclosed the pictures of the wrongful information showing up on my report as in my social security number and all the accounts thats not mines and Ive also added my drivers license and social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Source Receivables Management LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I found out about this collection due to surprise on my XXXX  credit report. Source receivables never provided any notification about this alleged debt. The only notification was by my credit report. This has dragged my score down by approximately XXXX points. I do not have a XXXX account and have been a victim of identity theft. I don't owe anything to XXXX nor do I owe anything to Source Receivables.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: FL
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:
Experian has provided false information to the CFPB and myself, the information they provided in a previous CFPB complaint stated they will conduct a reinvestigation, however that was a false statement. How could a reasonable investigation have been completed when the two accounts in question have not been updated?. One of the accounts has not been updated since 2019. Both of these accounts are still reporting false and missing information, a clear violation of the FCRA which state all information must be reporting 100 % accurate. Experian has had more than 30 days to do an investigation and has failed to do so. I demand the two accounts listed below be deleted immediately, or I will hold Experian liable for up to {$1000.00} per violation. XXXX Account Number : XXXX and XXXX XXXX Account Number : 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 2022-04-25
Company: Lockhart, Morris & Montgomery Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LOCKHART, MORRIS & MONT XXXX XX/XX/2022 {$540.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
on XXXX i sent a letter regarding inaccurate and unknow things on my credit report.to this day i have not received a response yet. i feel like im being taken advantage of and being ignored of my disputes. section 611 ( A ), it is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove these items from my credit report its pushing close to 60 days. so, they should be deleted promptly. i demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. my information was also impacted by the XXXX data breach and may have got onto the hands of the wrong person.

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 2022-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I contact Capital One and the account was closed. I want to be on the record that someone opened a checking account in my name at Capital One without my authorization. I don't know if this was an employee of Capital One or fraudulent activity by someone outside of the bank. I didn't realize that the account was open until Capital One sent me an ATM card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I'm writing as an employee of a XXXX XXXX XXXX company in XXXX XXXX called XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. In XXXX of XXXX I put ten checks into a USPS mailbox to send payment to suppliers. The checks were stolen from the mailbox and taken to XXXX XXXX and XXXX  XXXX XXXX branches where they were cashed fraudulently. Of the ten checks, nine of them had not been altered in any way, one had been altered to include a name that does not belong to the intended recipient. All ten checks cleared our checking account being distributed as cash to criminals by XXXX XXXX and XXXX XXXX XXXX, summing up to {$170000.00}. 

Our bank, JP Morgan Chase, has instructed me to file claims with them for each of these ten checks. In each of these claims I have provided photos of the fraudulently cleared checks, affidavits signed and notarized by the intended recipient that they did not receive the checks or funds, a Postal Inspection Services Claim ( XXXX ) # XXXX, and a XXXX XXXX Police Department Commercial Crimes Section ( XXXX ) Criminal Report # XXXX. 

The employees of our bank JP Morgan have been very vague and have promised that the stolen funds would be returned to us within 90 days. This has not been that case. We are going on ten months without having received our funds back. This missing {$170000.00} has caused major cash flow issues with XXXX XXXX XXXX XXXX  business, has hurt longstanding relationships with our suppliers, and now our very own bank JP Morgan this week is threatening to downgrade our credit worthiness. 

The bank that has given away our operating cash for more than 10 months is now questioning our credit worthiness. This is criminal. 

We received letters from Chase dated XX/XX/XXXX stating that XXXX XXXX and XXXX XXXX XXXX have accepted responsibility for repaying these funds and that it may take up to ninety days to resolve. We have since received letters from Chase dated XX/XX/XXXX stating that they have not yet received a response from XXXX XXXX and XXXX  XXXX XXXX regarding repayment, reiterating " as we explained when we opened your claim, the depositing bank is responsible for repayment ... if at 90 days after that date your claim has been submitted we have not heard anything from the depositing bank, we will close your claim and your funds will not be recovered '' This is criminal. The service we have received from Chase has been shockingly casual. All three banks need to be held responsible for what they have done. Please see attached supporting documents and let me know what can be done. Your help with this is much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Synergetic Communication Inc
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has called my phone multiple times under different phone numbers and using different agents requesting that I confirm my name, address, and DOB. When I requested why the need for my personal information, they only state that it is a " personal matter between myself and my mom ( they use her given name instead of stating XXXXyour mom ' ) ''. Due to security risks, the very vague answer, and being unfamiliar with their company, I blatantly refused to provide any information unless they will tell me what the so-called personal matter is. They also threatened to call my mom. I refuse to allow my mom to be harassed by them as scammers have called her in the past resulting in her having panic attacks. They have also been known to call during my standard work hours of XXXX to XXXX which puts my job at risk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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

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 2022-08-24
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2022, a payment of {$5400.00} was made on the XXXX website. On XX/XX/2022, a call was made to have this payment be applied to principle ONLY. I was told the paperwork was completed and it would take 3 to 5 days to be applied to my account. On XX/XX/2022 the payment was showing as applying to principle only per my request. On XX/XX/2022, Hyundai moved the payment I had requested as principle only to be used as my monthly payments and took {$14.00} off this payment and applied to interest. I called on XX/XX/2022 and was told that the payment was applied to principle and payments in the amount of {$2500.00} would be applied to principle. I asked to speak to a supervisor and was placed on hold to go back into the main menu for the customer service phone line.

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 2017-08-13
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an auto loan with Santander Consumer USA. I lost my job in 2016 after having this loan. I called and the rep said they would skip a payment and I could pay two months later and I would not have any late fees or penalties. My credit report shows 4 late pays with Santander and they now state that did n't happen when I call in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
When I went to the car dealership, they said I'll only have one hard inquiry but I ended up having many hard inquiries. 

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 explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 has continued to report incorrect information for several years to the point where Im going to proceed with legal action. there is a closed XXXX vehicle loan account # : XXXX opened on XX/XX/XXXX in the amount of {$7300.00} and paid off on XX/XX/XXXX. it shows as having a 60 late payment on in XX/XX/XXXX. I have disputed this item several times over the past few years and it has been removed and it keeps popping back up on my report. I am sick of XXXX 's ineptitude and they need to fix the reporting of this vehicle loan immediately to paid as agreed with no late payments. I have an official letter from XXXX stating that there was never any late payments on this account. FIX THE PROBLEM 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 2017-12-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing in reference to a released tax lien that is reporting on my Equifax credit report as Docket # XXXX. The lien has been released since XX/XX/XXXX. I have filled numerous investigations in efforts to having this public record removed both by phone and by letter. Most recently XXXX and it came back " Verified as Accurate ''. This same released tax lien was removed from XXXX and XXXX after 1 investigation. Under the new law effective XX/XX/XXXX any public record data must include Name/Address as well as SSN or DOB in order for it to appear on credit file. Equifax has not updated their information and per the new law the Released Tax Lien listed does not include all the required information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX  NO ONE SENT ME PROPER DEBT VALIDATION DOCUMENTS FOR ABOVE ACCOUNT. 
THIS ACCOUNT ARE reporting inaccurate information to the consumer reporting agencies AND YOU ARE NOT PROPERLY VERIFYING THE INFORMATION. The false information has severely damaged my reputation and livelihood. I have asked you to properly verify all inaccurate information on these account more than 30 days ago and you have not done your due diligence. 
PAYMENT HISTORY, ACCOUNT BALANCES IS nonpublic personal information. I NEVER GAVE THESE ACCOUNTS ABOVE THE RIGHT TO REPORT MY PERSONAL INFORMATION TO YOUR CREDIT BUREAU. 
YOU the third party reporting bureau and blindly damaging my credit file to disassociate me from other lending institutions. 
ACCORDING TO LAW YOUR BUREAU IS clearly in VIOLATION OF THE LAWS BELOW AND I WILL PURSIUT {$1000.00} PER VIOLATION IF ACCOUNTS ABOVE is not removed. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 6802 ( b ) Opt out ( 1 ) In general ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 I DEMAND you to CEASE AND DESIST the reporting of inaccurate information from my credit file. DELETE all accounts from my credit report within the next 10 days or I will file litigations to redeem all penalties your company will be liable to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I didn't know I could submit a complaint, but I have had a couple of credit cards close in the past through JPM Chase ( one being a Chase Sapphire and the other an Amazon credit card via Chase ). This was between XXXX, but I would call and not receive an answer as to why my account was being closed, even with working for a bank, having a great credit score, and paying my bills in full on time ( no late pmts ). I was even instructed to send them a fax to their compliance dept, but they refused to provide me any information as to why my accounts were closed and stated they were in their right to close my account. 

All I want is an answer to why my name is being prevented from banking with one of the largest banks in the country without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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: Reporting company used your report improperly

Complaint:
Need you to investigate the following account Account # XXXX Account name : XXXX XXXX I request you provide me proof of this alleged payment being late. If unable provide or lacking proof of this payment late, update payment history to paid as agreed never late XXXX XXXX XXXX 
Please provide me detailed description of all procedures used in your process to determine complete accuracy of information reported. Once you have finished your investigation, send me an update credit report to the address stated XXXX XXXX XXXX XXXX XXXX ny 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