BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-16
Company: SYNCHRONY FINANCIAL
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I attempted to make a loan request with Synchrony Bank to purchase a XXXX XXXX XXXX phone through the XXXX store. The process bugged and it would not let me purchase the phone with the account. So I was forced to purchase the phone with my debit card. On the same day I called Synchrony Bank customer support to close the account. They confirmed with me that they closed the account. This is reflected on my credit report. 

Since then they have been hounding me with emails and physical mail about owing {$27.00} on an account that I have with them. They told me I no longer had an account with them. I called them a few times in early XXXX to close this account and confirm I owed them nothing. Customer support with Synchrony confirmed with me that I do not owe them anything. 

However they continued to harass me about payment. By request from their customer support, I sent them a fax on XX/XX/XXXX or XXXX XXXX with proof of my purchase with my own debit card. My credit report says my account with them is closed. Yet they continue to insist I owe them. I did not get a response to my cease and desist. 

In the last few months they have hit my credit score with purported " late payments '' on an account that is not mine.

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 2016-03-12
Company: JPMORGAN CHASE & CO.
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Jp morgan chase hired debt collector to file a law suit against me regarding my credit card debt. The debt Collector got a judgement against me to collect property, wages, bank accounts etc. i became aware of this because my bank funds were gone today XXXX/XXXX/16 The attorney general in XXXX states and XXXX filed a case against chase for these unfair practices and won the case last year. The debt collector chase hired has n't stopped their unfair collection practices eventhough case against chase has been won and chase is not abiding by the settlement agreement/order against them as they havent stopped this debt collector. I called the attorney that seized my bank account and they claim to be unaware of the case against chase nor to desist collection for chase. I told them i was filing a claim at the attorney general because of the lawsuit against chase snd the attorneys secretary said to go ahead. 
i have been harrassed by them in numerous ways in the past with phone calls and people waiting for me outside my house during the time i was getting XXXX and had to be XXXX at home. 
The amount claimed due to chase was never properly verified by chase nor rid chase notified me that the debt was being sold. 
I got into a situation of not being able pay chase due to their predatory interest increase. I was dealing with battling XXXX, then unemployment and divorce. My home is being foreclosed on too. At some point i remember informing chase i was going to file bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
We appreciate your taking time form your busy day to advise us on this minor detail. 
In 2013, we paid our credit card balance ( less than {$100.00} ) 30 days late. 
Now, going on four years later - this late payment remains as the one and only late payment in our entire credit history spanning decades and 100s of creditors. 
The negative impact of this singular and isolated incident on our credit, on our cost of insurance, on our cost of borrowing - goes far beyond any reasonable penalty for such a minor infraction. Further, continued reporting of this issue contributes nothing to the intended purpose of such reporting, i.e., exposure of higher risk associated with our use of credit. 
We have made several attempts over these years to request assistance from Chase - each time, receiving a different and purposefully ambiguous reason for their inability to make sense out of this non-sense. 
As you have time - would you kindly provide direction as to how we may best resolve this issue? 
Chase Executive Office XXXX OH XXXX Mail Stop OH XXXX Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13
Company: JPMORGAN CHASE & CO.
State: KY
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
At XXXX XXXX on Wednesday, XXXX XXXX, 2016, I received a phone call from phone number ( XXXX ) XXXX. No one talked on this call, but when I said, " hello, hello, is anyone there ... '' the caller disconnected the line. Three hours later, at around XXXX XXXX, I received a knock on the door from a gentleman asking for my mom ( who does not live with me ), as well as if I were her son. ( I had co-signed on her auto loan. ) He asked if she had a XXXX XXXX car, and where she lived. I gave him this information, thinking that he was simply wanting to service her car, or perhaps do repair work. He also asked for her phone number, which I did not give. When I asked who he was with, he responded " XXXX XXXX. '' Again, I did not suspect that this was a collection agency company, but simply suspected that it was a service company looking for my mom to help her with her oil changes, repairs, etc. He did NOT, XXXX, state that he was attempting to collect a debt, and that he was with a debt collection company! I later did a XXXX search of " XXXX XXXX '' and found that it was a DEBT COLLECTION RECOVERY company!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is exactly why I have had to dispute so many times since the conception of this account from XXXX  Even today after all of these disputes, they are posting payments on a charged off account for the past three months! All of the disputes that I have flled not one person at equifax, XXXX, or XXXX has ever looked at any of these disputes and here I am now again wasting my time because these XXXX idiots at XXXX lie, cheat, post XXXX info on my credit file and to this day have never shown us one signature of validation! You XXXX XXXX better get your XXXX off of my Credit report immediately I am warning you for the last time, all three credit bureaus need to me charged For lying to the CFPB because none of you have addressed these bogus payments on my credit report! XXXX you better get your XXXX Off my credit file asap or youre gon na hear from me Im tired of you manipulating my credit file And XXXX my scores up you XXXX of a XXXX this is it, Im Tired of doing yalls job and you all better get this XXXX off my credit report or Im gon na sue your XXXX in court I already have enough already get off your XXXX and do your job!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: Netspend Corporation
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I was charged  XXXX  on   XXXX   XXXX   XXXX   for a  XXXX   XXXX   XXXX  I contacted them and a  manager and was told I my card was never charged and they printed out paper work to prove it and I let them speak with netspend. Net spend then advised me that they do n't know what happen to m y funds but they could investigate they told me they would know something by the end of  XXXX  I call and they tell me I still got ta wait another 45 days for something that was done on there end. Now I 've tried being really patient but its running out fast cause I got took for almost  XXXX  dollars and nobody can tell me where or why my money was taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FRAUDULENT ACCOUNTS 1. XXXX XXXX account number XXXX XXXX - XXXX XXXX XXXX. XXXX XXXX  Account Number XXXX 3. DEPT OF EDXXXXAccount number XXXX, Loan ( 02 ) 4. DEPT OF EDXXXX Account number XXXX, Loan ( 01 ) I TALKED WITH THE DEPT OF ED/AIDVANTAGE ON, XXXX, i SPOKE WITH THE CUSTOMER SERVICE DEPARTMENT EMPLOYEE XXXX XXXX XXXX WHOS BADGE XXXX IS XXXX. I REPORTED TO EDXXXX THAT THESE STUDENT LOANS ARE FRAUDULENT, AS A RESULT OF IDENTITY THEFT. THE DEPARTMENT OF ED/XXXX  SAID THEY ARE SENDING ME A PACKET TO SIGN SO THEY CAN DISCHARGE THE LOANS AS FRAUD AND REMOVE THIS FRAUDULENT STUDENT LOANS FROM MY CREDIT REPORTING HISTORY. REGARDING XXXX  XXXX, I HAVE TWO FRADULENT ACCOUNTS. I TALKED WITH XXXX  XXXX TODAY, XXXX AND XXXX  XXXX IS DOING AN INVESTIGATION ON THESE FRADULENT CREDIT CARDS THAT DO NOT BELONG TO ME. I SPOKE WITH AN EMPLOYEE NAMED XXXX, WHOS EMPLOYEE ID NUMBER IS XXXX, ON 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 2022-08-17
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed on XXXX. I tried to rent an apartment and filled out the application. The scammer asked me to send them money via XXXX. I found out that it was a scam. I would like to get some level of protection like I do with a credit card. The back ideally should be able to track where the money went and reverse the transaction. Yes. I was a fool and got scammed but Ideally my bank should offer some level of protection. Any help you can provide would be much appreciated. This is a huge financial hardship for me and we should all work together to stop these scammers. I appreciate any help that you can provide. 

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 2022-10-02
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:
In accordance with the Fair Credit act XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
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:
FRAUDULENT ACCOUNTS 1. XXXX XXXX account number XXXX XXXX - XXXX XXXX 2. XXXX XXXX  Account Number XXXX XXXXXXXX DEPT OF EDXXXXAccount number XXXX, Loan ( XXXX ) 4. DEPT OF EDXXXX  Account number XXXX, Loan ( XXXX ) I TALKED WITH THE DEPT OF EDXXXX ON, XXXX, i SPOKE WITH THE CUSTOMER SERVICE DEPARTMENT EMPLOYEE XXXX XXXX XXXX WHOS BADGE XXXX IS XXXX. I REPORTED TO ED/XXXX  THAT THESE STUDENT LOANS ARE FRAUDULENT, AS A RESULT OF IDENTITY THEFT. THE DEPARTMENT OF ED/XXXX  SAID THEY ARE SENDING ME A PACKET TO SIGN SO THEY CAN DISCHARGE THE LOANS AS FRAUD AND REMOVE THIS FRAUDULENT STUDENT LOANS FROM MY CREDIT REPORTING HISTORY. REGARDING XXXX XXXXXXXX, I HAVE TWO FRADULENT ACCOUNTS. I TALKED WITH XXXX  XXXX TODAY, XXXX AND XXXXXXXX XXXX IS DOING AN INVESTIGATION ON THESE FRADULENT CREDIT CARDS THAT DO NOT BELONG TO ME. I SPOKE WITH AN EMPLOYEE NAMED XXXX, WHOS EMPLOYEE ID NUMBER IS XXXX, ON XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I stopped being a customer of XXXX XXXX in XXXX, and switching carriers my balance was paid and my XXXX XXXX was paid off according to the store in XXXX XXXX Tx XXXX when I recently tried to use my XXXX XXXX it says sim is locked, I called XXXX XXXX to figure out what was going on and they said I owed a balance. I do not owe any debt with them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Chase Bank and I open an account XXXX/XXXX/15. Shortly thereafter I receive a notice ( and check ) we 've closed your accounts. Chase says if you have any question call XXXX. I call and I am told reason for the closure is fraudulent activity. After my concern I call asking who is responsible for any fraud. There are only XXXX parties involved, XXXX or Chase Bank. Chase at XXXX changes the subject and will not answer any questions. Within my Chase accounts there are XXXX bonus I expected to receive. I have met the requirements. Chase comes to me promising bonus and then changes their business tactics. 









i recieve a

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 2022-04-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been going back and forth with XXXX in regards to unauthorized use of my credit report as well as unauthorized inquiries that have been placed on my credit report. 
The crazy thing is I have placed fraud alerts as well as a security freeze and paid membership with XXXX to add the extra layers of protection to prevent fraudulent activity on my consumer report. XXXX has failed me and is causing actual damages not only to me and my livelihood but as well as my kids. Due to the rules and regulations of their offered fraud alert and security freeze program gave me a peace of mind knowing I took extra measures and obtained the fraud alert and security freeze that it would lower the risk of me being an identity theft victim again. I know by having the freeze and fraud alert on my consumer report that if anyone would be applying for credit using my social the business would have to call me in the process and verify that it was me applying for credit before running my information. XXXX has failed me significantly they allowed me to become an identity theft victim again despite me having the fraud alert and security freeze. I have tried to dispute this on numerous occasions with them about these unauthorized inquiries and accounts on my report, they ignored me and stated that they cant do anything about it. How can XXXX have a paying member let down and not do anything when I took the preventative measures and had the protection of them when these accounts mysteriously popped up on my account while having their security freeze, fraud alert and their membership. I have sent them identity theft report, letters and called on numerous occassions about this. I strongly feel that the CFPB needs to sue XXXX first for not followng the FCRA and wrecklessy injuring consumers for lack of properly verifying, investigating and notifying consumers on how they get their information. 
I am requesting XXXX remove all unauthorized inquiries on my consumer report and unauthorized accounts. I am asking the CFPB to investigate and sue the XXXX out of XXXX for fraud and crimes they comitting and the violation of the FCRA. 
Please delete : 1. XXXX XXXX XXXX- account # XXXX 2. XXXX XXXX XXXX account # XXXX. 
Please delete : 1XXXX XXXX XXXX XXXX Inquiry date:XXXX 2. XXXX XXXX  XXXX XXXX Inquiry Date:XXXX 3. XXXX XXXXInquiry Date:XXXX XXXX XXXX XXXX- Inquiry date:XXXX  These are unauthorized please remove immediately and comply with FCRA which is also the rules XXXX suppose to abide by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: Experian Information Solutions Inc.
State: NJ
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:
The account was opened   XXXX   XXXX   XXXX   for {$500.00}. I had problem with the account and finally had an agreement with  XXXX   XXXX   XXXX   to pay off the account in  XXXX   XXXX . The payment was paid in full and satisfactory to my creditor as per our mutual agreement. The credit reporting agencies keep on reporting it a s Paid,  was a charge-off despite that the account was paid in full not charge off.   Over 1 year my creditor and I have try to inform the credit reporting agencies to make this correction without luck. In Experian report, it is stated a s FP ( Fail to Pay ) as  of  XXXX   XXXX  which was the last report in my credit report despite my recent creditor report to Experian.   On  XXXX   XXXX  -  XXXX ,  XXXX  was credit scores was reduced b y credit score b y  XXXX  points from  XXXX  to  XXXX  without any changes in my credit transaction. The reason Experian took such action was because I express dissatisfaction with how Experian was handing my credit investigation with  XXXX   XXXX   XXXX  . The Experian are punishing consumer who exercise there right to ask for fair credit report treatment

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 2023-04-07
Company: Experian Information Solutions Inc.
State: LA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2015-12-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Other

Complaint:
Years ago, I got a credit card with my then fianc. In XXXX, we split up. I called Chase and asked what I had to do to be removed from the card. I was told that I had to fill out some paperwork and have the primary ( my ex ) sign that I can be removed. This was done and sent in. In XXXX, I got a job that did a credit check. They came back that I had a Chase card in collections. I never received anything from Chase via mail or by phone. So again I called Chase and asked them what I had to do. They told me to send in some more information, which I did. Again, I did not receive anything. Recently, I applied for pre-approval for a mortgage. I was told that it was on my credit report, in a charged-off status. I again called Chase. This time I got a women that kept telling me that I can not be removed and that it was against their policy to remove the secondary even if the primary gives permission. She got ever snotty with me when I told her that years ago ( XXXX ) I was told I could. She told me that they have my paperwork but it is against their policy. I asked for a manager and she told me that there was not XXXX there. I told her to make sure that the conversation in XXXX in reviewed and she said that it would not matter because it was against their policy. I want to be removed from this account like I was told I would be years ago. I never used the card. I never received anything stating that it was not getting paid. I never got a phone card or any mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CT
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:
Our landlord fraudulently placed a delinquent rent charge on mine and my husbands credit report. Fidelity Credit Corp placed the charge and will not call us back. We are extremely frustrated that someone can just place whatever they want on our credit. We have a court order to pay our rent to the court, and our landlord retaliated. He did threaten to do what he did if we paid the court, and I have all supporting documentation that we are up to date. Here is a link to our court case : XXXX XXXX XXXX XXXX I am happy to provide any further information needed

Company response to consumer: Closed with explanation