BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 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 XXXX years. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: SYNCHRONY FINANCIAL
State: TX
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:
My personal email account was hacked on XXXX, 2022. I received a notification that my tax return was accessed on XXXX XXXX the same date. I was aware my email account was hacked because I received over two dozen emails from various companies thanking me for my inquiry addressed to a weird name. At this point I changed the password on my email address. 

On XX/XX/XXXX, I received a notification through my XXXX app that someone submitted a credit card application for a Synchrony/Amazon credit card. I called XXXX and Synchrony on XX/XX/XXXX to dispute the application on the basis of identity theft. I also received notifications this person ordered an XXXX on my Amazon account with a delivery address of XXXX, AR. I was able to cancel this order. I received another notification that XXXX cancelled an order on the basis of fraud with the same delivery address of XXXX, AR. I'm receiving more emails from various companies thanking me for my inquiry addressed to a weird name still. 

Later on XX/XX/XXXX, I received another notification from XXXX that someone submitted another credit card applications to Synchrony/Sam 's Club . I called XXXX and Synchrony to dispute the application on the basis of identity theft.

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 2022-11-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2022 XXXX dropped my credit score down XXXX points for no reason at all. No changes were noted in my report no late payments etc. I went from XXXX to XXXX over night. XXXX also dropped my score down XXXX points on XXXX XXXXXXXX XXXX. Again with no explanation or noted adverse changes. My score went from a XXXX to XXXX. I dont understand how my scores could change so much with no late payments repos evictions collections or anything.

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 2022-09-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which 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, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX  XXXX XXXX Balance : {$0.00} CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: AL
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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. states I have the right to privacy. 15 U.S.C. 1681 Section 604 A. Section 2 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 2023-11-13
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
Applied for IDR plan by submitting application and income verification information on XX/XX/2023. Application was received by Navient on XX/XX/2023 but I have received no information on the status of this application or IDR plan request. 

Contacted Navient ( my loan servicer ) and was told this process typically takes two weeks. After I advised them that application has been sitting for nearly 6 weeks they told me they may give me an update on my application status on or about XX/XX/2023. During this time, accruing interest and, I believe my loans may be completely forgiven due to the fact that I've been repaying the loans consistently for over 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
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 {$3200.00} Including all associated balance transfer fees, interest, and late payment fees. 

These fraudulent charges were made to my account and I opened a dispute with Barclays. I called almost every week looking for an update as they never provided provisional credit and caused my credit score to fall XXXX points. 

They took almost 2 months to investigate and claimed these balance transfers are valid because " I have an account on my credit report where the balance transfer was sent ''. This is outright not true. Such an account does not exist.

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 2023-02-07
Company: EQUIFAX, 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:
Since the beginning of XX/XX/XXXX of 2022 i reached out to this company in regards to my information being effected by a data breach an have yet to get this issue resolved. Since then i have continued every month after that to send correspondence demanding that this information be re investigated and removed from my credit report. Nothing requested from this company has been validated or verified as factual accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX I opened an account with Chase I deposited a work check on the XXXX via mobile deposit, after the funds were not made available by the XXXX I called to see when the funds would be available and Chase said they could not verify the check and told us they were closing my account with no reason why, and they said that they needed me and the issuer of the check to come in to the bank to verify the deposited check. We did this and after two hours of my employer proving his identity and that he wrote the check, Chase was satisfied and said they would then be overnighting me a check for the amount of the deposited check. A day or so later They fully closed my checking account and sent me a check for the {$100.00} I already had in there, not for the deposited check of {$2500.00}. After two weeks of waiting for this overnighted check I spoke with the banker at the bank we went to and he said they are not sending me a check and to have the issuer call his bank and do a fraud claim in order for me to get the money back from Chase! There was nothing fraudulent about this check, we have verified everything the bank requested. They have held this money for over a month and never gave me a reason why they closed my account or why any of this is happening! I was using that money to go to Texas and start a new job, which I have now lost due to Chases failure to make my funds available to me. I am now about to lose my house and have had to file for federal assistance because of this. I have recordings from chase employees and screenshots of my account. If I cant get this handled I will be contacting a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: CITIBANK, N.A.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
My wife and I have a joint account with Citibank. We receive a monthly pension from XXXX which is usually credited to our account on the XXXX XXXX XXXX of each month. I have been receiving this pension for over 10 years now. Lately, my pension does not arrive on a timely basis. There can be up to 1 month delay for reasons unknown to me. For example, my pension which was due on XX/XX/ has still not been credited to my account as of XX/XX/XXXX  In addition, my wife 's pension has been credited without any issue on the relevant dates. The delay in my pension has been going on for the last 2 years or so and it has created financial difficulties for me. I have reached out to Citibank multiple over the phone but no clear answer is ever given to me nor has there been any resolution.

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 2022-06-27
Company: Medical & Professional Collection Services, Inc. NC.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was taken to court by XXXX XXXX for non payment of rent and eviction. And the amount that is said I havent paid is a lie. Its nowhere close to it. I didnt pay one month of rent. I even showed the judge proof that I paid the rent I was lied on. So this is false information reported on me & ruining my credit report. This landlord has had so many complaints on her about the same issue and other things. This happened in XXXX. I have a debt collection of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I suspect fraudulent inquiries on my credit report. Below are the inquiries listed. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
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: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. The 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, XXXXXXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$19000.00} ; XXXX XXXX INT XXXX Balance Owed : {$750.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$15.00} ; XXXX XXXX XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$280.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$140.00}

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 2022-09-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I set up AutoPay from my Wells Fargo checking account. I designated XXXX  XXXX XXXX as a payee for reoccurring payments on the XXXX of each month in the amount of {$35.00}. 

XXXX XXXXXXXX XXXX due date is the XXXX of each month. For whatever reason, XXXX  XXXX XXXX did not receive payment for XXXX until the XXXX. As a result, I was charged a late fee in the amount of {$35.00} and a 30-day late payment reported to my credit report. The late payment history has a long term negative impact because it can stay on my report for 7-years pursuant to the federal FCRA. 

This is due to no fault of my own. AutoPay was set up on the XXXX of each month. Please correct this issue with XXXX XXXX XXXX credit card department ; other wise, criminal and civil claims will be pursued.

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 2022-09-21
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to remove erroneous 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 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Peterson Enterprises, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was charged a {$180.00} copay for an XXXX visit back in XXXX of XXXX. I received a bill from the hospital billing department. I did attempt to contact the department to resolve the issue and provide them with my insurance card number, in which the representative stated they did not have on file. I was under the impression this issue have been resolved as I did not receive any further bills from the hospital. The hospital reported my debt to the collection agency XXXX of XXXX. I was served court documents from the collection agency XX/XX/XXXX. I was never given any notification that I still owed this debt. Court papers was just filed on me without no opportunity to settle this debt. I did contact the party whom has filed a lawsuit against me. I was told they had only attempted to contact me once via regular mail, NOT certified mail. However, I never did receive there notification. The lawsuit has been filed by : Peterson Enterprises , Inc. A XXXX XXXX XXXX Valley Empire Collection XXXX Mind you, at the time of the billing for this debt was during the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Atlanticus Services Corporation
State: PA
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 the above-mentioned XXXX XXXX XXXX , without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., XXXX, XXXX, and XXXX ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my ri

ghts. 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 2022-11-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX and deposited XXXX into my checking account. That same day I raised my spending limit to call and pay bills from the money in the checking account. I called Penny Mac on XX/XX/XXXX which Penny Mac decided to not process the day I told them to and attempted to Charge on XX/XX/XXXX days later then what I requested. the money was still available but at the time I didn't have a limit increase so that the large payment couldn't process. The branch manager wrote a letter and also attached the policy for spending limits. I tried reaching out to Penny Mac several times they won't help me with this matter. They did admit not charging my card and waiting XXXX days and also that were not willing to work with me on settling this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Victoria secrets  uses commenty bank and for the past week they have had a " system update '' and they won't respond via phone service to pay the bills and therefore making me have late fees which lowers credit. When reaching out they don't provide any answers of whats going on, I can't access any of my card information as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
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:
XXXX XXXX XXXX XXXX ran my credit for a car purchase on XX/XX/2021, ( ok ), then Toyota credit ran my information, XX/XX/2021, got approval, ( ok ), then after making my first payment on time a month later, Toyota credit ran my information again on XX/XX/2021, ( NOT OK ). 
Both parties blamed each other and nothing was done, they now ignore the problem. This still remains on my inquiries in my credit report. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Radius Global Solutions LLC
State: TX
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:
On XX/XX/XXXX, I got a text saying : From : Radius Global Solutions LLC, a debt collector Re : XXXX Log in : XXXX Call us : XXXX Your Rights : XXXX Txt STOP to End texts I replied : Stop Got this : You replied with the word 'stop ' which blocks all texts sent from this number. 

Then I got a text again today XX/XX/XXXX after saying stop. 
From : Radius Global Solutions LLC, a debt collector Re : XXXX Log in : XXXX Call us : XXXX Your Rights : XXXX Txt STOP to End texts

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