BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I currently have an account with Synchrony Bank, which includes an online savings account and two CDs. The issue is gaining access to the Secure Inbox on my account. There are currently seven ( 7 ) unread messages but I can't get to any of them, and keep seeing an error message stating " something went wrong ; try again ''. We have already determined that this is NOT something on my end. I've tried multiple computers, browsers, and android apps on various devices. There is a problem on their end and they can't seem to fix it. This has been going on for months. I've been trying to be patient but this is beyond ridiculous. I can't get any messages that would warn me about any potential problems with my account, fees, fraud, etc., because I can't read the content on any of these messages. This has been going on since at least XXXX of 2023 and there still is no resolution. And they refuse to alert me in any other way because I have told them very clearly that I am UNABLE to access the Secure Inbox online.

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 2022-12-03
Company: Experian Information Solutions Inc.
State: KY
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 not the first time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance Owed : {$510.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$8100.00} ; XXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} ; XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, TN 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 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 non-monetary relief
Consumer complaint received 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX has violated my rights. 
15 USC 1681 section 602 states I have a right to privacy.

15 USC section 604 A section 2 : A consumer reporting agency can not furnish an account without my written consent 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

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 2023-07-11
Company: Experian Information Solutions Inc.
State: WV
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:
There is information on my Consumer report that I did not provide written permission or instructions for identified transactions to be reported on my consumer report. Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ) - Permissible purposes for consumer reports ; In general ; In accordance with written instructions of the consumer to whom it relates. 
Experian and XXXX are in violation of the Fair Credit Reporting Act. In addition to 15 U.S.C. 1681c- Requirements relating to information contained in consumer reports ; No adverse item besides the conviction of crimes should be on your report, any item that is derogatory mark is not allowed into consumer reports, that is another violation.

12 C.F.R. 1022.3 defines Identity Theft as fraud committed or attempted using identifying information of another person without authority. According to the Fair Credit Reporting Act 15 U.S.C. 602 states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers ' rights to privacy. '' Experian and XXXX are a consumer reporting agency, and I am the consumer. I have the right to make sure my private information is not shared, which is backed by 15 U.S.C. 6801- " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. ' As of XX/XX/, there is an Auto Loan, Unmailable addresses and phone numbers on my report that are unauthorized by Experian and 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 2023-05-22
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
Account reports different dates under date of last payment. reporting this due to FCRA ( noncompliance of an accurate data being furnished on my consumer reports. Payment history is not reflected accurately on this account. No documentation sent that proves these payments were late so that I can determine if you are in fact, reporting this account accurately or not.

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 2023-08-16
Company: EQUIFAX, INC.
State: TN
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 XXXXXXXX Account # XXXX Account # XXXX 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 an account without my written instructions 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: COMMERCE BANK
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:
I have hard inquiries from car lenders that I did not apply to or give any one permission to use My social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital One has closed my credit card account Also Capital One company is crediting me {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
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 have sent several disputes in to dispute a account that is inaccurately still reporting on my credit report. It has been deleted off two of the three reports. They have failed to properly investigate this account and continue to send a automated response. The account is No name Acct # XXXX, {$340.00}, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased an item at XXXX XXXX online on XXXX XXXX, XXXX  with my XXXX debit card through Chime Bank. Order number XXXX. After receiving the item, I decided that I did not like the quality of the material and returned it back to XXXX XXXX with a prepaid label from the merchant. Received an email from XXXX XXXX on XXXX XXXXXXXX XXXX  stating that they received my return and will be issuing a refund immediately. To allow 3-5 business days. On XXXX XXXX XXXX  after calling XXXX XXXX to get a status update, I was informed that they tried to initiate a refund to my acct. and that it was rejected and declined from chime. They tried unsuccessfully several more times in the coming days with the same response. I called XXXX XXXX on XXXX XXXX XXXX and was given a transaction number when they tried to initiate this refund with me on the phone. Transaction XXXX XXXX. Message was, refused credit card, declined. I Immediately called Chime and spoke with several different supervisors with the same outcome. No such transaction on my transaction history. They could not offer me any reason for why my refund would reject. They offered to do a dispute but I would not qualify for a provisional credit. That this so called dispute could take up to 90 days. First of all, they reject my refund with no explanation as to why and then want to make me wait an additional 90 days for my refund that was due to me over 2 weeks ago. I am very frustrated by all of this and very dissatisfied with Chime at this point. I have tried unsuccessfully to reach a corporate office or any other entity to help me with this. I am asking you to please help me to resolve this. I am at the mercy of Chimes customer service agents and supervisors who are clearly not in the US. When speaking with them, Its hard to understand some of them and I feel like this problem is above their knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A credit card was applied for in my name on XX/XX/2022 for an XXXX XXXX credit card. Application was submitted to Bank of America. BOA notified me and I contacted them and they cancelled the application and are going to flag it as fraudulent..

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 2023-08-22
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I wrote a check on XX/XX/XXXX in the amount of XXXX XXXX ( {$2000.00} ) dollars. I was helping someone pay their relative for a car. The debt was settled another way, and my check was never cashed but, unbeknownst to me, the person apparently held onto it. This person and I no longer speak, but just a few days ago the check was submitted via a mobile banking app deposit and my account was hit with the check that was dated over two years ago. The bank that accepted the mobile deposit even told me when I asked about this in person today ( XX/XX/XXXX ) that it should not have cleared because it had been more than six months since the check was written. However, once they found out I was not a customer at their bank, they told me there was nothing they could do, and refused to help me or look into it. Because they cleared this check that was over two years old, my entire checking account and most of my savings account was wiped out without warning. I have a digital copy of the dated check, and a copy of the back of the check showing a deposit date of just a few days ago. This should not have even passed through the bank due to how old it was and now I am out XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an alert from XXXX that a checking account was opened in my name through Bank of America. I contacted Bank of America and they closed the account, but they advised me to put a complaint in with the FTC to help with tracking of these incidents.

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 2022-12-02
Company: Experian Information Solutions Inc.
State: NH
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 XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an 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 2022-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX have been trying to remove these inquiries from my credit report for the past three. My final written request to the credit bureaus was received on XXXX XXXX. They have yet to respond to delete the following inquiries. Please remove immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
State: IL
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:
Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: MI
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:
Equifax response to complaint CFPB XXXX was simply " XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU ''. They then alleged non-monetary relief was provided with " DESCRIPTION OF NON-MONETARY RELIEF Equifax reviewed the complaint, relevant documents, and completed an investigation where applicable. '' However, if they'd conducted an investigation under maximum possible accuracy standard required under under 15 U.S. Code 1681e they would have reviewed the documents and realized information furnished by a data furnisher, but that is false/misleading, is patently prohbited within my federal district. If a bank informs a clien that no ACH was presented for payment, and XXXX alleges a return code of R03, indicating an inability to match the biographical info provided with the account number implies an error on the part of XXXX, and likely implies XXXX never submitted the authorization. Such an occurence is not the fault of a consumer and can cause a damage to a consumer. An account that is then charged-off as a result of such an error then causes further damage to a consumer. That is what happened in this case. And, if the onl thing Equifax can conclude from CFPB XXXX, then there should be no adverse account history to include no derogatory payment statuses, no derogatory narratives, and no derogatory indicators for the account/tradeline. The payment history nor derogatory status indicators, nor worst deliquency, was verified. Thus, any and all derogatory information should be removed for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
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:
I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX  XXXX .... Balance : - ; XXXX XXXX bankruptcy discharged Identification number : XXXX Date filed : 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 non-monetary relief
Consumer complaint received 2023-09-01
Company: The Law Offices of Jennifer McCoy, PC
State: TN
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from this company stating that I owe a debt, I sent back a letter of debt validation and company sent back an itemized billing statement stating it is validating the debt which does not constitute validation according to Attorney XXXX XXXX XXXX FTC opinion letter, also stated to send proof that they did not purchase the debt, also copy of any viable evidence bearing my signature. Company did not send back what was stated in letter within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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 XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Avant Holding Company, Inc.
State: DE
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:
I called avant on XXXX XXXX to report to fraudulent transactions on my card totalling XXXX. No reg e credits have been applied to my account. I was told by an agent and a supervisor today that the don't create a case until after the ten business day, that reg e requires then to either respond to the dispute or issue the credit to investigate further. They are violating the law into the way the handle fraudulent dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Experian Information Solutions Inc.
State: IL
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:
Experian have ASSUMED a vital role pursuant to 15 usc 1681 ( 3 ) of my consumer reports and has been violating my privacy without my consent pursuant to 15 usc 1681 ( 4 ) & 15 usc 1681b ( a ) ( 2 ).

As for identification I only have my Driver License which is the only identification I need pursuant to 15 usc 1681i ( a ) ( 3 ) ( C ) ( ii )

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