BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-03
Company: CAPITAL ONE FINANCIAL 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:
The following companies had made inquiries on my credit report with accounts that I do not have which is a violation of my consumer law rights. I do not have an accounts with the following : XXXX XXXX Dated XX/XX/XXXX XXXX Capital one auto fin XX/XX/2022 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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:
All three Credit Bureaus ( Experian, XXXX, and XXXX ) had put a restriction on my abilities to submit a Dispute Online and enjoy their free services on my free accounts. I will need for all three of them to remove the restriction on my accounts so I can submit my online Disputes.

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 2023-09-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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 Currently have a few fraudulent accounts in inquiries appearing on all three of my credit reports.

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 2024-01-16
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am a former Truist customer and I recently moved. I would like to receive my XXXX as I believe my sign-up bonus may be counted as income on this document. I attempted to call to update my address. Truist will not supply it to me online and they refuse to update my address.

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 2023-09-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently received a copy of my Experian credit report, and I noticed some Transactions posted on my credit report that is excluded by federal laws from my consumer reports : XXXX XXXX, Acct # : XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, you reported transactions from XXXX to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/Corporation making the report are not included on the consumer reports, yet you are reporting this information to my consumer reports!

Furthermore, 15 USC 1666b ( a ) : ( a ) TIME TO MAKE PAYMENTS 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 2023-11-17
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: In progress
Consumer complaint received 2023-12-11
Company: U.S. Auto Credit Corporation
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Voluntary repossession

Complaint:
I purchased a vehicle in XXXX during the time of purchase. I was told by the sales person about the debt cancellation agreement. The salesperson informed if I had lost of income that the agreement would cancel the debt. I purchased this agreement for {$600.00} a year into the loan I voluntarily surrendered the car. I thought I was secured because of the cancellation agreement that was purchased. Years went by and I never heard anything about any collection efforts I thought that the agreement had went into effect. Fast forward to XX/XX/XXXX i served court papers because the loan company filed a lawsuit. I represented myself. I won the court case they filed an appeal 14 days later and I retained legal aid. Legal aid advise me to settle even though I had purchased cancellation agreement. US Auto and XXXX XXXX XXXX XXXX should be held accountable for this. XXXX XXXX sold me an add on and US auto credit claim they had no knowledge. I am requesting this account to remove from my credit and to cancel the debt as promised when I purchased the debt cancellation add on. This company had never made any attempt to resolve this but wait until almost the 7 year mark to take me to court and sue. When I called the copy back XXXX they informed me that they could not talk me or because they my account to an attorney

Company response to consumer: Untimely response
Consumer complaint received 2024-01-22
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Over the weekend I was trying to use my credit card at a legitimate business when I got a text, call and app notification that there was fraud on my card. The only thing I can think of was that it was because I had just switched to a new phone. 

I called them when I got home and they asked me a number of security verification questions which I answered. They then said that wasn't good enough and they needed another phone line. I gave them my girlfriends phone number after which they said that it wasn't the right kind of phone number with no explanation. They then asked me if I had a third phone or a land line. I do not. They then said that they are going to mail me a letter. 

At this point in time, I was so frustrated with the process. I asked them to just close my account and send me my final bill because I no longer have access to my account online and I only receive electronic bills from them. They informed me that I could not close my account until I received the letter. I called back on Monday and asked them if I could file a formal complain and that again, I do not want to be a customer of theirs and want to pay my account off and close it so that any balance on my account does not accrue interest. Also, I do not want to have to keep calling them and providing new, even stranger information. They informed me that they can not close my account without this verification. 

Thanks, 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 2023-11-23
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Subject : Formal Complaint Against Synchrony Bank for Unjust Account Closure To Whom It May Concern at the Consumer Financial Protection Bureau, I am writing to file a formal complaint against Synchrony Bank for what I believe to be an unfair and unjust closure of my account. This action has caused me considerable distress and inconvenience, and I seek your assistance in addressing this matter. 

Background of the Issue : Recently, Synchrony Bank decided to close my account Paypal Credit Account citing XXXX returned payments as the reason. However, the circumstances surrounding XXXX of these incidents have not been adequately considered by the bank. For the payment in question, I had sufficient funds in my bank account at the time of transaction. Unfortunately, due to an error outside of my control, the payment was initially returned. 

I took immediate action to rectify this situation and successfully completed the payment shortly after being informed of the error. This was a one-time incident caused by factors beyond my financial control, and not indicative of my financial responsibility or history with the bank. 

Concerns and Request for Action : Unfair Treatment : The decision to close my account based on this single incident seems disproportionately harsh and fails to consider my history as a responsible customer. 
Lack of Adequate Communication : The bank did not provide me with a sufficient opportunity to explain or rectify the situation before taking such a drastic step. 
Impact on Financial Standing : This action by Synchrony Bank has negatively impacted my financial standing and has caused undue stress and inconvenience. 
I request the CFPB 's intervention to : Conduct a thorough investigation into the matter. 
Ensure fair treatment and consideration of the circumstances from Synchrony Bank. 
Facilitate communication between myself and Synchrony Bank to find a reasonable resolution. 
I have attached relevant documentation to support my claim, including records of the transaction in question and correspondence with Synchrony Bank. 

I appreciate the CFPB 's commitment to protecting consumers and hope for a prompt and fair resolution to this issue. Please do not hesitate to contact me for any further information or clarification needed. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The following has happened twice in the last 4 months : We receive a monthly bill for charges on our XXXX Synchrony Credit Card. We pay through my bank by check well before the due date, our bank confirms receipt by Synchrony Bank, again well before its due, but Synchrony takes over two weeks to process the check before they credit my account. By then, it is past the due date so they add late charges and fees regardless of the fact that the payment was received on time. 

As an example, last months check was noted as received by Synchrony on XX/XX/XXXX with a due date of XX/XX/XXXX. Synchrony didnt clear the check until XX/XX/XXXX and then charged us {$140.00} in interest and late fees. I spent 30 minutes on the phone with them and for the second time in 4 month. They said it was some kind of internal error. 

I am sure that this is happening to others.

Company response to consumer: In progress
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 15 USC 1681. I notice an Account under my consumer report which I do not recognize. This account was opened fraudulently. XXXX XXXX is not mine please delete and investigate immediately. It 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 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2024-01-03
Company: ProCollect, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone opened a an account with XXXX XXXX. ( ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXXe XXXX XXXX XXXX Texas XXXX ) Due to non-payment, the account was sent to collections with ProCollect Inc. ( ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX ) I spoke to XXXX XXXX XXXX who was very rude and unprofessional. I explained my situation to her, she even stated that the account was opened under a different name than mine. I asked the steps to fix this issue and a written letter of verification. All she kept repeating was that I needed to send an email to the company with a copy of my police report as well as my state issued ID. At this point I repeated that I would like written verification, and she continued to talk over me, raising her voice, stating I had until XX/XX/2024 to send the email, or the debt would remain on my credit report. After some back and forth XXXX XXXX hung up on me.

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 2023-12-14
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX {$140.00} XXXX XXXX {$77.00} XXXX XXXX {$270.00} XXXX XXXX XXXX {$5900.00} XXXX XXXX {$710.00} XXXX XXXX and XXXX XXXX need to verify the debt or remove said debt.

Company response to consumer: In progress
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to 15 U.S.C 1681b XXXX has violated my rights. 
a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer.

Also according to 15 U.S.C 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION.

( a ) Notice Requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a Notice that complies with section 6803 of this title.

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE, THAT SUCH INFORMATION MAY BE DISCLOSED TO SUCH THIRD PARTY.

1.PERMISSABLE PURPOSE = WRITTEN INSTRUCTIONS.

2. WITH PERMISSABLE PURPOSE = CONSENT 3. WITHOUT PERMISSABLE PURPOSE = IDENTITY THEFT. 
I DID NOT GIVE XXXX WRITTEN INSTRUCTIONS OR CONSENT TO FURNISH ANYTHING ON MY CREDIT REPORT. 
WHICH MAKES THIS IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Florida XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 

1. The following account is not mine XXXX Account Number : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

2. The following account is not mine XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This account is in F.C.R.A violations to report Late payment history on Collection/Charge off the account. In addition, these late payments are completely an error because they didnt follow the chronological order of days late timeline. I demand this account to be removed as theyre proven as completely inaccurate. 

XXXX. This charge off account does not belong to me. I never have any financial obligation with this company XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. This charge off account does not belong to me. I never have any financial obligation with this company XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. This charge off account does not belong to me. I never have any financial obligation with this company XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. This charge off account does not belong to me. I never have any financial obligation with this company XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. I never late on this account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. This charge off account does not belong to me. I never have any financial obligation with this company XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. This collection does not belong to me XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Thank You Sincerely yours, XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: In progress
Consumer complaint received 2023-10-31
Company: Nelnet, Inc.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I applied for the SAVE payment plan in XXXX. They now say that they can't complete my application until I pay an amount as indicated by an email and letter. I never received either of these. They are still saying I owe my normal payments that I can't afford while they continue to refuse to finish my application. I just want to fulfill my obligations and they are not fulfilling their contracted obligations to me and the federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: HEARTLAND PAYMENT SYSTEMS INC
State: DC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023, I opened a mail piece containing a bill for student debt. The loan servicer claims to be Heartland ECSI and uses what appears to be a phishing website ( heartland.ecsi.net ) as I could not connect with a live representative over the phone. Please investigate this.

Company response to consumer: Closed with explanation