BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
pay pal. is trying to confuse the matter by using a different company name. They think they're confusing me when they get a company like XXXX to make calls of harassment. about alone when they associate with this company, the company call use profane language They're threatening tactics or talking about coming to my house and do harm. associated with pay pal under the guise of XXXX some other names for this company, that associate with pay pal is as follows. 1. XXXXXXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX. The phone numbers to to include the following numbers. : XXXX, XXXX, XXXX aand 2 work from home XXXX phone numbers XXXX and XXXX the last 2 pretended not to speak XXXX. They sent this call after I paid on the debt, I owed them.

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 2019-06-18
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
I have disputed Us Dept of Ed/XXXX XXXX and collection services on all 3 credit bureaus for inaccurate reporting of information not only on high credit limit and inaccurate account history, which all comes back " verified ''. Method of verification letters were mailed and received by not only XXXX  but Experian as well, receipts are provided. Yet all that this did was create disputes which were not what was requested and information that they have was not sent to me about how they verified this information. I have one specific account reporting an inaccurate account high credit limit from XX/XX/XXXX. On XXXX   account history is inaccurate showing a past due balance of {$1.00} on all 4 accounts. On XXXX the same account dated XX/XX/XXXX is reporting an incorrect high balance. On Experian the same account is once again reporting an incorrect high balance and all 4 accounts are showing as failed to pay in XX/XX/XXXX in the account history but these were paid and closed in XX/XX/XXXX via consolidation. Each credit bureau also has different date of first delienquency information from the original creditor XXXX XXXX which has since been deleted for inaccuracies, these accounts should be deleted as well. I am not sure how they are verifying inaccurate information that is proven based on FAFSA and NSLDS database concerning student loans. Each loan was paid XX/XX/XXXX with a {$0.00} outstanding balance and interest. NSLDS also shows the accurate amount borrowed and proves the inaccuracy of the high credit limit on the one account that I have tried to have corrected. Since these inaccuracies have failed to be accurately verfied based on information I have sent and proven. These should be removed as they are in violation of inaccurate credit reporting and inaccuracies disputed should be updated to accurate account information or deleted if information can't be verified as accurate, which it is not across all 3 credit bureaus. This information has failed to update the first time and I entitled to fair credit reporting and accurate information, if that information isn't accurate and/or updated then it should be deleted. For each bureau dispute numbers are the following : XXXX : XXXX XXXX : file number XXXX report date XX/XX/XXXX Experian : XXXX Attached files are the following : 1 ) NSLDS about account in question with inaccurate high credit also shows that account was paid in XXXX and XXXX reporting is inaccurate 2 ) Receipts to XXXX and Experian 3 ) FAFSA information with original credit limit.

Report numbers with disputes in question 4 ) Original copies of method of verification letters mailed

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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, Transunion and XXXX credit reports do not show the correct balance that I owe with XXXX XXXX XXXX. I would like them to please update their records accordingly. 

In addition, XXXX and XXXX do not allow me to put a consumer statement on my report and I would like the following statement to reflect on my XXXX and XXXX reports : The reason my credit history has late payments and a couple of cards have charged off was because my mother was diagnosed with XXXX at the time and I had to take care of her. I had to pay for bills along with medical expenses for her because she could not work. I am currently trying to rebuild my credit as she is XXXX free now.

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 2023-02-03
Company: W&A Intermediate Co., 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
no knowledge of these accounts. no contract with these companies. please remove, they reposted this account. reporting innacuretly across the bureaus, no account info, this is violationg consumer law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover bank closed my account allegedly due to an identification verification, of which I have no understanding of. Currently the account shows as open but it is indeed closed and I am ready to report it for fraud, and unfair closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: GA
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 hereby dispute the current payment status and remark comment associated with my credit report for XXXX XXXX for a Credit Limit of {$9000.00}. The remark comment indicates " Payment after charge off/collection, '' and I believe that this information is inaccurate and does not reflect the true status of this account. 


The extended duration of the inaccuracies in my Payment History for Current Payment Status and Remark comment serves as evidence that the credit reporting agency and the furnisher knowingly and recklessly violated the FCRA. 


I would like to clarify the following points : Payment History : Contrary to the remark comment, I want to emphasize that I have not made any payments on this account after it was Charged off or sent to Collections. Therefore, it is inaccurate to suggest that there have been any payments made in this regard to support a Current Payment Status as Charged off or sent to Collections.

Current Status : While this account may have had a Charge-off or Collection status in the past, it is essential to note that it has been resolved, and there is no outstanding balance or active Collection effort related to this account. This would make the Payment History for Current Payment Status and Remarks being reported as Charged off or sent to Collections inaccurate and false. 


Considering this information, I demand that my credit report be updated to report only accurate account information in regard to my Payment History for Current Payment Status and Remark comment. I respectfully request that you immediately investigate and rectify the Current Payment Status and Remark comment associated with this account. It is crucial that my credit report accurately reflects the status of my financial obligations, and the current Remark comment is not only misleading but is not being accurately reported as required by law and is detrimental to my creditworthiness. 


In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, I exercise my right to dispute any inaccurate information on my credit report. Please conduct a thorough investigation into this matter and provide a written response within 30 days, as required by law, informing me of the results of your investigation and any actions taken. 


Thank you for your prompt attention to this dispute. Failure to properly dispute this information pertaining to the Remark comment will result in a request to the IRS for a review of the missing 1099-C in support of Charge-off tax requirements. I anticipate the correction of the inaccurate current payment status remark comment on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: EQUIFAX, INC.
State: AZ
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 UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}.

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2021-03-11
Company: U.S. BANCORP
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Elan financial stopped updating any of the 3 credit reporting companies as of XXXX of XXXX. This resulted in them showing late payments every month having a drastic impact on my score. When I tried to contact them to update the bureaus they just said they do every month, even though its clear that they haven't been, and filed to do anything to try and remedy the situation.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need to be deleted I listed below in the report I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my report. 
I reported the theft of my identity to the Federal Trade Commissions and I have enclosed copies of the Federal Trade Commission Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-03-11
Company: CITIBANK, N.A.
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Company Citi Bank XX/XX/XXXX, Opened Citi Priority Checking and Savings accounts XX/XX/XXXX, Deposited $ XXXX to Checking account and {$25.00} to Saving account XX/XX/XXXX, After more than 60 days of meeting the $ XXXX deposit requirements, Saving account was upgraded to accelerated saving while waiting for {$700.00} new account opening bonus for another 90 days. Customer Service stated I am already qualified for {$700.00} bonus and saving account upgrade would not impact my ability to receive the {$700.00} bonus XX/XX/XXXX, I did not receive the {$700.00} after 90 days waiting period. Filed promotion dispute. 
XX/XX/XXXX, Citi saying not eligible due to saving account was not opened within stated time frame. It was completely incorrect as my Saving account was opened on the same date on XX/XX/XXXX, which were reflected on the XX/XX/XXXX statement

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 2023-01-21
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
My name is XXXX XXXX XXXX..I 've been fight the credit bureaus for the last 3 years I was in a data breach with XXXX.. and XXXX XXXXXXXX who ever the person is they have my social security number and they still use my social security number apply for things. Mess my credit up..

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 2023-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have a credit card with Capital One bank. I received a promotional offer XX/XX/2022 for a 0 % rate for 12 months. I agreed to these terms via capital one 's mobile app. 
When i made a large purchase XX/XX/2022 I knew i had 12 months to pay back the purchase. 
Capital one recently charged me two months of interest for XXXX and XXXX statements. When i questioned them they noted to me the promotional terms ended in 9 months. I advised that was incorrect, they asked me if i had proof of my promotion. I said " No '' but i would like a copy of my promotional terms from XXXX  emailed to me, in which the customer service agent said they cant provide that. 
I would like my 2 months of interest returned or at minimum a copy of the promotional terms i agreed to. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: NC
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 






13.15 U.S. Code 1692e 10 False or Misleading Representations XXXX XXXX Account Number : XXXX Please remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
ACCOUNT SAYS OPEN, IT HAS BEEN CLOSED SINCE 2016  XXXX XXXX XXXX XXXX ACCOUNT HAD NEVER BEEN LATE. IT REPORTS XXXX  30 DAY LATE 2016 XXXX  30 DAY LATE XXXX 30 DAY LATE XXXX 30 DAY LATE XXXX 30 DAY LATE XXXX 60 DAY LATE

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 2023-10-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 I received a wire transfer from XXXX XXXX XXXX XXXX  later my account had a fraud hold. so I went in the bank with the person who sent the money to my account. They endorse the money to me inside XXXX XXXX XXXX branch with the vice president, XXXX. XXXX I provided documents for the business to show. It was a real business along with my identification. The fraud department still put a 14 day hold on the account the investigation went over the promised 14 day period. XX/XX/2023 I received a letter saying my account would be closed and I would be mailed a check with the remaining balance. now, XX/XX/2023 I went into the branch because I didnt receive a check in the mail in the fraud department told the banker that I had to send a document to XXXX XXXX in order to get my funds released from unclaimed property. They would let me claim the money that was in my account and they wouldnt send the money back to XXXX XXXX as requested. they told me after my account was closed that I had to send over documents, which didnt make any sense because when I research the information, none of what they said was true. I requested a fraud team manager over and over again they would not give me one. The guy XXXX that was working. My case was very rude and not helpful. Ive been treated like a criminal.

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 2021-04-01
Company: EQUIFAX, INC.
State: VA
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:
Law were violated by equifax, XXXX and transunion. laws written by congress that the bureaus have broken. it is not a belief on whether the law has been broken by each bureau ( XXXX, equifax, XXXX ) it a matter of fact that they were. and i the consumer would like this ratified. it has caused me much distressed. 
Under 15 U.S. code 1681b : Permissible purpose of consumer reports. 
( a ) In General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

Also Under 15 U.S code 1681 ( a ) Accuracy and fairness of credit reporting.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for consumers right to privacy. 

my rights have been violated, my privacy violated and i can not as a consumer of the U.S believe that this has happened to me and it is not right for them to have the thought that they are above the law which per the law they are not and i demand something be done about this and not only thing i demand that my rights be honored and not ignored. I the consumer gave transunion, equifax or experian any written consent to report anything on my consumer report and i sure in heck did not give the right of my privacy to be invaded. Also when there is no consent by law that is identity theft. this is obscene. 
on date XX/XX/2021 letter were forwarded to transunion equifax and experian stating the information above. per law 15 us code 1681n- Civil Liability for willful noncompliance ( a ) In General any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to the consume in an amount equal to sum of- ( 1 ) ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by consumer as a result of the failure or {$1000.00} whichever is greater. 
With that each violation is $ XXXX.and i demand my compensation law for each and every violation made by XXXX, equifax and XXXX and i also demand a deletion

Company response to consumer: Closed with explanation