BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-18
Company: SYNCHRONY FINANCIAL
State: NJ
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:
We purchased an outdoor table at XXXX XXXX in XXXX, NJ. My wife and I have our own sperate TJX cards and accounts. I went on to my bank website and thought I was paying the TJX bill for the table in my online bill pay bank portal however, when I made the payment to TJX, I used the wrong account number on my payment check and it was sent to TJX. The payment was never applied to our balance for the table because I used the wrong account number. I then sent a second check that did pay the balance for this table which was on my wife 's TJX XXXX. I called TJX and explained this, they said they would search for the check with the wrong account number. I then received a {$1200.00} refund from TJX for, what they told me, was for the check I sent for {$1200.00} that had the wrong account number on it. A few weeks later I received a bill from TJX that said that I owed them {$1200.00}. When I called they told me they never found the check with the wrong account number on it but refunded the {$1200.00} anyway and since they could not find this check I needed to pay them back the {$1200.00} they paid me. On XXXX I called the contact number on the TJX notice that requested repayment of the {$1200.00} and spoke with XXXX, he would not give me his last name, a TJX manager in the USA. He found the check with the wrong account number but since it had the wrong account number he said the system would not allow him to credit the outstanding {$1200.00} refund that was paid to me, which TJX was now requesting me to pay back. He told me to upload the letter from my bank on to the TJX site at tjx.syf.com to my account on the site. I did that on XX/XX/22 and received written confirmation that the letter was uploaded and received by XXXXX. I called TJX on XXXX and spoke to XXXX in their USA office who confirmed that the letter was uploaded and that payment from the check with the wrong account number had been credited to my account and that I owed TJX nothing. I received a letter about two weeks ago that said I owed {$1200.00} to TJX for this same transaction and bill a few days ago for the {$1200.00}. I owe TJX nothing but they continue to harass me and I need your help to put an end to this please. Best, 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 monetary relief
Consumer complaint received 2023-03-14
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:
Fair credit reporting act. The list of account below has violated my federally protect consumer rights to privacy and confidentiality under 15 USC 1681. 
The Fair Credit Reporting Act of 1970 ( My Account number are X out ) Attorney General-Chi # account number XXXX XXXX # account number XXXX XXXX XXXXXXXX # account number XXXX XXXX XXXX XXXX Account number XXXX XXXX/Dept Of Ed # Account XXXX 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 shell not furnish any information relating 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 2022-04-23
Company: EQUIFAX, INC.
State: FL
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:
Accordance with the fair credit reporting act. XXXX, Equifax, and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

All of these negative items are not correct and do not belong on my report. 
The items are. XXXX XXXX XXXX XXXX date XX/XX/XXXX *incorrect amount paid off* XXXX XXXX XXXX  XXXX open datXXXX XX/XX/XXXX *Not mines* XXXX XXXX  open date XX/XX/XXXX * Not mines* XXXX XXXX XXXX open date XX/XX/XXXX * Not mines* XXXX open date XX/XX/XXXX *Not mines* XXXX XXXX open date XX/XX/XXXX * Incorrect amount* XXXX XXXX XXXXXXXX open date XX/XX/XXXX *Not mines* XXXX open date XX/XX/XXXX *Never applied XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: Duvera Billing Services, LLC
State: NV
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. There is no third party involved or any Credit Repair company working on my behalf. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below is the lists of the erroneous account reporting on my credit report : DUVERA BILLING SERVI XXXX Balance {$1200.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31
Company: SYNCHRONY FINANCIAL
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
A transaction was made using this credit service and the product was unusable due to security and safety policies issued in light of XXXX. The merchant was unreachable and up to today, no response has been received about a credit or refund. The transaction has gone into collections and was left with no option or assistance by the credit issuer to issue some form of protection. Currently, I have set a minimum payment to be collected by the credit issuer however I am compelled to pay the maximum amount of interest for the past two years on a very small balance. I have contacted the credit issue or almost a dozen times to resolve and no level of authority within synchrony banks organization has demonstrated any ability to sort this out. I am left with no control over my ability to save from paying additional interest due to a locked and closed account. I am being forced to pay undue interest caused by PayPal credit/synchrony banks operational 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 2022-06-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2022-06-22
Company: Experian Information Solutions 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:
To Whom it May Concern : After pulling my credit report, with the intention of improving my credit and taking care of my responsibilities, I noticed a few accounts with INACCURATE INFORMATION reported. I filed a dispute with Experian and the results came back as " updated ''. I sent in documents via mail to the address on their website but they claimed to never have received them. I have proof of delivery/tracking info and the investigation request letter attached to this complaint. The investigation was NEVER thoroughly performed and the information was NOT updated correctly, they only added a false comment about investigating as the update. Please be advised that Im exercising my rights as spelled out by the Fair Credit Reporting Act in Section 609. Please provide me with copies of the original sources for the items reported. That includes contracts or service agreements I signed with CORRECT DATES. If this information is not available, please note that the validity of these items can not be determined therefore must be removed from my credit history under 15 U.S.C. Sec. 1681i ( a ). 
If you can not furnish, I am requesting that all inaccurate accounts be deleted/removed from my credit history/report. Thank you for your time and help in this matter. The accounts in question : US DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXX XXXX, US DEPT OF EDXXXX XXXX, US DEPT OF EDXXXX XXXX, U S DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXX XXXX, US DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Acr XXXX Account # XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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.

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 2022-08-21
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting Act XXXX Account # XXXX and # 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 instruction.

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 2022-08-21
Company: Cascade CISS Holdings, LLC
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
i have a inquiry on my report XX/XX/2022 from XXXX. i need it removed i never applied there thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Nelson Cruz & Associates LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Looks like someone used my personal information to obtain some type of loan withXXXX XXXX XXXX, my name, social security number, phone number was used to obtain a loan without my consent in XX/XX/2023, now it has been sent to a collection agency, Nelson Cruz and Associates to try to collect for something that I did not do, the amount that was put on my XXXX XXXX credit report is for {$3800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Unable to get a credit report ONLINE from Equifax. My bank is not able to see my credit report. its been 6 months since I had a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Certified Credit & Collection Bureau
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I'm a victim of identity theft, banking fraud, compromised ssn, all my personal information has been stolen. 
P.S. I'm flowing on a current report I have filled in the past year or so, please I need an update on current status. 

Contact info- XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX Thank you...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hello I would like to file a complaint against paypal. They put a hold on our account for XXXX days. They would not release the money to us after telling me several times in phone calls it would be available to me come XXXX. Well a month ago we noticed they just took our money and told us they it is due to them for whatever reason. NO company what so ever should be taking hard earned money from other people. We have done nothing wrong and its not right for institutions to just take peoples money and think its ok. I do know that paypal has done this to tons of people. We did a post on paypal on XXXX and i can send a screenshot but you would be surprised at the likes and shares it got. we have over XXXX shares and we have had tons of people come to us about them doing the same thing. I figured i would try filing a complaint here first and see what can be done because again it is not ok for any company to just steal peoples money and take advantage of people. if you think we did something wrong then block us from your service and never let us use it again but it is NEVER OK to take someone elses money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: CITIBANK, N.A.
State: AL
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:
In accordance with the Fair Credit Reporting act 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 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 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 2022-06-22
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:
The account XXXX on my report is showing open.That account was a settlement and closed for some reason Experian opened it backed up and reported delinquent payments on my credit report.THAT IS INCORRECT.

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 2022-07-27
Company: Freedom Mortgage Company
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
A check in my name was sent to my mortgage company they will not apply this check they say they dont know what happened to it in the amount of 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 2022-06-06
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I get close to XXXX calls a day and many back to back calls daily from commenity Bank it's harassment at this point. I want to work with them. But I don't want to now with all the phone calls. As of XXXX on Monday XX/XX/2022 I have missed XXXX calls from them. XXXX. And I will get more today. That's crazy. I shouldn't have that many calls back to back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
I have had a CapitalOne credit card since XXXX, there was a change of address made to CapitalOne to XXXX Credit Bureau in XXXX to XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. That was not me who changed the address for any mailing or use of that card with that address. 

Last week, my CapitalOne Walmart Rewards card was compromised 6 times. Last Thursday, XX/XX/XXXX, I contacted CapitalOne Walmart to find out why I received a package of a Wi-Fi photo frame when I never ordered it, the last 4 of my credit card number and the last 4 of another credit cards were attached to a purchase that came through on email, but the email showed another item that I received the day before. CapitalOne Walmart said there were no issues with my account and that the account showed 1 credit card and the person referred me to Walmart directly. I spoke with XXXX from Walmart that same day and he was going to send it to investigation. Yesterday ( XX/XX/XXXX ) I had spoken with XXXX regarding an inquiry on my credit report of the XXXX XXXX. address and they said that CapitalOne provided them the info. I contacted the credit card company CapitalOne and asked about that issue, but they don't have records before XXXX. I asked about the picture frame purchase I never made, and XXXX ( rep ) provided 6 purchases made with my credit card number that I never made over the last week. The card has been terminated and shut down and there is an investigation being done. 
The rep only provided 1 of the purchases as being in XXXX, but I live in XXXX, XXXX. The other 5 purchases couldn't be traced. The purchases are as follows : XX/XX/XXXX Walmart {$120.00} XX/XX/XXXX XXXX XXXX {$13.00} XX/XX/XXXX Walmart {$12.00} XX/XX/XXXX Walmart {$10.00} XX/XX/XXXX Walmart {$9.00} XX/XX/XXXX Walmart {$0.00} I believe that there has been another data breach on their end, and they don't want to take responsibility for their actions of provided misinformation to the wrong people ( the XXXX XXXX address ) ; as well as 6 different purchases made in another state when clearly if I was making purchases in XXXX, how could I be making purchases in XXXX at the same time. There is an internal investigation of this account being made, but this is terrible service on their part. I am extremely disappointed with their customer service as well as tracking of their customer 's information.

Company response to consumer: Closed with explanation