BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: TX
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I have been requesting the credit bureaus Equifax, XXXX and XXXX to remove outdated accounts from my report now for over 8 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of XXXX. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as request but a few are still reporting with no response as to why these have not been address since they are clearly outdated. There are 2 others that do not reflect the last payment date. I have requested this to be updated and asked the collectors to validate these dates as of yet, no response have been received neither from the bureaus or collectors. At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options. 
I thank you in advance for your assistance and response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: DISCOVER BANK
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. 
I HAVE LISTED BELOW THE APPLICATIONS FOR CREDIT SUBMITTED FRAUDULENTLY WITHOUT MY AUTHORIZATION OR PERMISSION TRYING TO OBTAIN CREDIT OR GOODS USING FRAUD. ANY OTHER REQUEST FOR CREDIT BY ANY OF THESE COMPANIES LISTED BELOW SHOULD ALSO BE FLAGGED AS FRAUD AND I DEMAND AND REQUEST THESE BE REMOVED, BLOCKED AND DELETED IMMEDIATELY FROM ALL MAJOR CREDIT REPORTING AGENCIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
At or around XX/XX/XXXX, an account was opened in my name through Care Credit from Synchrony Bank. This credit was used ( I don't know what for an maintained occasionally until whoever used it, just stop paying on it ). It eventually went to collections, then charged off and remains on my credit. I have sent letters to Synchrony Bank asking for validation of this debt and all they've sent me are old bills. There is nothing showing I've ever opened this account. No signatures, no debit cards I've owned. Nothing. just bills as their " proof ''. This has done grave damage to my credit and they've made no attempts to rectify the matter. The amount they say I owed is {$1400.00} dollars which was charged off and {$550.00} due as of 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 2022-08-26
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:
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 non-monetary relief
Consumer complaint received 2019-11-23
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2019 and XX/XX/2019 file a disputed against TransUnion to verify 2 account on my credit reported the accounts being XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, and. I asked simply for these account to verified and that send contract in which my signature was on that I signed would be sent to me as proof of said debt. I was told that the debt verified but their was no proof of documentation sent just a copy of my credit report same these object have been verified. I feel that I am been ignored by the the credit Bureau I have attempted 3 times to get this error corrected. I believe I deserve to have a good credit but the disputing process is not being carried out in a professional manor.

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 2017-09-12
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I am furious about the Equifax Data breech reported to consumers on XXXX/XXXX/XXXX. They are suppose to protect our information as they distribute this information to various financial companies when consumers apply for credit cards, home loans, etc. The very people that hold our very confidential data did not protect us, yet now they say sign up for protection? How ironic. I demand that Consumer Protection go after these people and make them pay for the lack of integrity and responsibility in allowing such a breech to occur. They should be made to pay for this dearly. Yet it will be the individual consumer to be held accountable if their information is used to set up fraudulent accounts. Please be assured that I will also be contacting my senators to complain about such a horrific event that basically opens us all up to potential financial risk without much in regard to individual consumer protections, Outraged in Tennessee

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: AmeriCash Holding LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Americash Loans sent a automated text message to my cellphone on XX/XX/XXXX at XXXX am. They immediately followed with an email same date and time. 

I sent them a letter telling them they were in violation of consumer laws. I requested they only contact me by XXXX only. I was very explicit with this. They later was dated XX/XX/XXXX. It was sent registered mail with return receipt. I received proof of delivery with a signature on XX/XX/XXXX. I have not received any response to my letter but the continue to email me and send automated text messages. XXXX of them are at inappropriate times. XXXX am on XXXX XXXX and XXXX on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
For at least the last two years Synchrony Bank ( the " Bank '' ) has permitted a third party to access and use my credit card rewards ( Banana Republic store vouchers ). Despite several calls to discuss this issue, the Bank has refused to provide me with information regarding who is using my rewards and how many rewards have been used by the third party. Moreover, the Bank has refused and/or failed to stop the third party from using my rewards despite repeated notice of the data breach. By permitting a third party to use my rewards, the Bank has disclosed my spending habits to an unauthorized third party.

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 2017-08-09
Company: F.H. Cann & Associates, Inc.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection letter from F. H. Cann & Associates, Inc, stating, " This notice regarding your defaulted student loan or grant overpayment debt held by the XXXX XXXX XXXX XXXX ... .has been placed with our office for collection ''. The amount is {$15000.00}. I have no such loan with the XXXX. Knowing this, I contacted F.H. Cann. The first thing I was asked was to give my social security number and date of birth. I told the lady I knew nothing about this and as a precaution, refused to divulge my personal information. She responded that she was unable to tell me anything until I complied. I then retorted to bring the matter to your department. That 's when she offered to give me the number to the XXXX. I called the XXXX who told me, correctly so, they had no record of me having any loan, outstanding or otherwise. The rep even connected me with another section of the XXXX who, after getting my personal info, concluded the same. I 'm now asking your department to delve into this issue to see what 's going on. Thank you for your assistance in the matter. I look forward to your finding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022 I was requested by Bank of America fraud claims department to go to my nearest branch to identify myself due to my identity being compromised. On XX/XX/2022 I submitted a claim with CFPB addressing my concerns with the branch malpractice / negligence. The company responded on XX/XX/2022 only addressing the fraud that happened on my Bank of America account. The company failed to address the malpractice I mentioned when I visited the branch on XX/XX/2022. The company has not reached out to me regarding my concerns of banking negligence.

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 2022-06-15
Company: CCS Financial Services, 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 information incorrect

Complaint:
I made a payment in full on XX/XX/22 to Credit Collection Services reference # XXXX XXXX XXXX in the amount of {$1100.00}. The rep took my payment and stated they will remove collection from my credit report once paid. My conversation was recorded on XX/XX/22 with the rep when I asked once paid will it be removed & she said yes. I requested a letter via mail requesting proof of payment and of XX/XX/22 no document sent to my home. I made the payment based on the verbal agreement of the collection being removed from all three credit bureau 's. I called recently to ask them why it still reported as a collection on my report when they agreed to delete it upon receiving payment in full and they said by law they have to report it Ive asked which law states they have to report it and they couldnt tell me. 15 usc 1681b ( 2 ) statesany consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave credit collection services any written instructions to furnish anything on my report and demand the delete it immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: NAVY FEDERAL CREDIT UNION
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:
Fraud Claim has been placed with the Company, information is inaccurate and Causing Public Harm and economic Hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
According to Equifax, my information " may have been '' compromised by their breach. Because of this, I felt I had no alternative but to place a credit freeze with all three bureaus. Each bureau charged {$10.00} to place a credit freeze ( including Equifax ) AND they will also charge a fee when you request to unfreeze it in order to give potential creditors and/or employers access. I contacted Equifax and asked that they refund the {$30.00} because they are responsible for the threat I now face. They informed me that they have no intention of refunding any credit freeze fees, but they are offering credit monitoring for one year. Their nonchalant response with practically no offer of assistance or protection is NOT acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: JPMORGAN CHASE & CO.
State: TX
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:
XXXX XXXX XX/XX/XXXX Account number XXXX To whom it may concern : I have been attempting to resolve the unauthorized charges on my credit card for {$9500.00} that was charged on XX/XX/XXXX. I reported these charges as fraud and was refunded the money back on XX/XX/XXXX. In XX/XX/XXXX these same charges were charged back to my credit card. I called customer service and was told I needed to file a dispute for these charges. On XX/XX/XXXX I faxed my dispute to Chase. In XX/XX/XXXX I began calling and sending secure messages trying to find out what was happening with my dispute, no one could give me an answer stating the dispute was still in process. I later learned that on a few of times I called the customer service rep. opened up another dispute which allows another 30-35 days to process. I continued to send secure messages asking for help to resolve this issue. The only response I would receive was an automatic response stating that someone would contact me when the process was completed. To this day no one has ever contacted me regarding this matter and the bank website still shows this dispute is still being processed. This has also decreased my credit score by XXXX points in the beginning and recently another XXXX points I would like this to be corrected since this is at no fault of mine. I met with XXXX XXXX on XX/XX/XXXX but he was not able to help me resolve this matter and told me he was turning this over to upper management. He said I would be receiving a call from someone in management in approx. 5-10 business days. I still have not heard back from anyone as of today. On XX/XX/XXXX I called and was transferred around to several people and finally spoke to someone named XXXX, after discussing this situation with him the only thing he could tell me was the bank would not be able to refund the money to me because of the amount of time that has passed. This is totally unacceptable, I did not authorize or receive any services for these charges and I have been begging for someone to help me close this dispute. To this day the dispute still shows that it is in progress and I still have not been any reason why the bank never responded or made any effort in helping me with this situation. I have attached all of the information regarding the attempts I have clearly made to resolve this matter. 

Thank you in advance for your time with this matter. 
Please feel free to contact me via email XXXX or cell phone XXXX XXXX or work XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: LA
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:
Equifax has negligently handled my credit report information. As such they have left me and millions of others vulnerable to exploitation. I have never agreed to let equifax have my data.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/2021, I applied for a personal XXXX with PenFed in the amount of XXXX USD through their Website. Upon finishing the application, I was requested to submitted additional information to confirm my identity such as my state ID and my Social security card, as both me and my father have the same exact name ( no junior or senior ) but different dates of birth and S.S numbers. After that initial request, I received emails 3 additional times to resubmitted these documents to confirm who I was, and I resubmitted each time. Once they had received my information Multiple times I then received an email stating that I was approved and would received a check in the mail. Once the check had arrived, I deposited the check into my account. roughly a week later I received a letter in the mail with the account information so I can make the payments and is when i had noticed that the last 4 numbers if the social were not mine. I called Penfed to try and have this corrected but have not been able to have this done. After some time of Penfed stating they would fix this issue and would send out a letter, we found out that it was my father 's social as it appeared on his credit report. My father did not authorize for them to use his social as i provided all my information. Eventually, Penfed tried to fix the issue by running my credit to see if I would be approved for the loan but unfortunately did not and did not provide any other remediation to an issue they created if they would have seen the verification documents submitted. My father did not agree under any terms to have a loan in his name and nor do I know his social security number and to this day we are unsure how the accounts got mixed but Penfed has offered no recourse to resolve this issue of stolen identity on their behalf.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I request debt validation on XXXX XXXX and they received my certified mail on XX/XX/XXXX by XXXX XXXX. They did not response my request. Same request were sent to XXXX XXXX XXXX XXXX three times. They send me very suspicious fraud letter back on XX/XX/XXXX and XX/XX/XXXX. Billl of Sale was mentioned Exhibit 1 but it was blacked out. I report FTC for ID Theft who named XXXX XXXX XXXX ( XXXX XXXX No XXXX ) and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 2020-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX account appeared in XXXX on my credit report causing my score to drop. This debt is not owed and is not mine and needs to be removed.

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