BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian ( and XXXX  and XXXX  ) show that I had an account with XXXX/XXXX  in XX/XX/2018, with a highest balance of {$210.00} and a payment of {$180.00}. I disputed this with Experian, who investigated my complaint, and informed me that the reported data was correct. All three agencies show that the account was opened on XX/XX/2018 and closed on XX/XX/2018. They show an account number XXXX**** I have carefully searched all my financial records and files, and I can not find anything to show that this account existed! 
1. I have no credit or debit card with this number 2. I have no record in my PDA ( Personal Digital Assistant ) of this account 3. I have no record of any check being issued for this amount ( {$180.00} ), nor any credit/debit card transaction for this payment. And I never pay cash. 

I know that this is a relatively small amount of money, and that the " account '' has been closed for more than a year, but I am very concerned that my name has been used fraudulently for some unknown reason. I am NOT satisfied with Experian 's handling of my complaint, and I want them to tell me who reported this incorrect information to them? What were the names of the payees/vendors? What were the dates of the transactions? How much was each transaction? ( Note that the reported " highest balance was {$210.00}, but only one payment of {$180.00} was made. What happened to the other {$35.00}? ).

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 explanation
Consumer complaint received 2023-06-09
Company: MoneyLion Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX offered a XXXX loan, but you get only XXXX at first and XXXX is held in escrow. You have to make biweekly pmts towards this loan, but you are not given the full amount and I had to pay off the full XXXX. I realized that this is deceptive and predatory lending and decided to cancel it immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
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:
This company denied me a right to get a auto loan due to the improper and inaccurate information reporting on my consumer report. This company took adverse action against me denying me a right. How can you deny a consumer something when I am the one extending my credit to them, This is a violation of the Gramm Leach Bliley Act, because they are invading my privacy. 15 USC 6802 and 15 USC 1611 false and inaccurate information willingly and knowingly. 

The information provided on my consumer report is damaging my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: CITIBANK, N.A.
State: CA
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: Overcharged for something you did purchase with the card

Complaint:
I have reach out to XXXX XXXX multiple times at macys. He did not resolved 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 2023-09-25
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Avant Holding Company, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2022 I paid {$4500.00} towards a loan of {$10000.00} that has simple interest. 
After applying the payment I have a balance of {$4200.00} My monthly payment should decrease and I should not be charged the full amount of interest as my principal was substantially reduced. 

I called on XX/XX/2022 and spoke with a CSR, who agreed with me about the simple interest. He then told me I still owed 35 payments at {$410.00} which is the original installment payment. 

In my contract it states that it is simple interest and if I prepay, it will accrue daily. 

They are not holding their end of the contract up. 

I told him I wanted to file a complaint and he said he would for me. 
I asked who he would file the complaint with and he said against the company for me. 
Which is XXXX, so I XXXX and found this website to file myself

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
As of XXXX my available credit on my PayPal credit ancciunt managed by Synchrony bank account was {$1000.00}, according to the company on XX/XX/XXXX a letter was sent out and my available credit was reduced to {$500.00}. Customer service from the company said to contact XXXX, XXXX said to contact the credit bureaus that I use. This is a virtual line of credit without a tangible card and it is unclear which credit reporting agency is used by Synchrony bank to regarding consumer credit reports- nobody was able to give me this answer for me to pursue and see if there is an error on my credit report. I have had this account the longest of any of my available lines of credit and had recently paid the balance in full with a fairly good history of making on time payments. The other two lines of credit I have are not reduced with less history and higher balances. Thus, this action seems nothing except for predatory on behalf of synchrony bank. 

This action taken by Synchrony bank negatively impacts my credit report to have my credit limit reduced and to further have a lower amount of available credit ; this is not a practice that helps consumers develop credit which is the point for me as a consumer to have this type of credit. Moreover, I still have not received the letter as of XX/XX/XXXX, and this move caused me to be unable to pay other bills since the credit was lowered with no advance notice or means acknowledge or to appeal, and I use this line of credit to make purchases for my business. Some are regular monthly purchases but others are seasonal. I had used this line of credit to purchase equipment needed for the winter and it came out of a card linked to a separate account from the merchant. I made these purchases before the XXXX of XXXX so it would have shown as pending on my account as well.

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 2022-05-25
Company: EQUIFAX, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: CHARLES SCHWAB CORPORATION, THE
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX took money from XXXX bank ( Charles Schwab checking account ) but didnt get any money. XXXX told me need took XXXX days, then without any solution but took away my another XXXX dollars, they know my XXXX level low, but do not give me any help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Harvard Collections, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Harvard Collection Services XXXX XXXX XXXX XXXX XXXX, IL XXXX Says I owe Illinois Department of Human Service {$2900.00}. 
Supposedly opened XXXXXXXX XXXX XXXX 
This is incorrect, they reported it to the credit bureaus. This is the second time they did this to me. I disputed it last time and everything was removed. And yet here they are again doing it again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email from chime saying I opened a card- I have not. They wont close the card without me sending a picture of my ID and I am not comfortable with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
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:
I mailed XXXX XXXX a letter dated XX/XX/2019 demanding that they update incorrect reporting to all three credit reporting agencies. XXXX XXXX mailed me a response dated XX/XX/2019 requesting information from me which I had previously mailed in my complaint.

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 2023-07-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-25
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX  and Experian are reporting incorrectly a collection/charge-off in the amount of {$5200.00} on the XXXX XXXX XXXX XXXX- partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was in an accident and was taken to the junk yard. I wanted to keep the car so I continued to make the payments however, the vehicle was picked up from the junk yard without my knowledge and without any notification and hauled away. The car was reported as a repossession. When I learned that the vehicle was taken, I immediately went to the junk yard and spoke with the office manager. She told me the car was reporting as only a temporary repossession and that since I was making the payments my credit report would not be in jeopardy. I was making arrangements to have the car given back to me, but before the paperwork was completed the vehicle was sold at auction without any notice. The vehicle was sold for more than what was owed and therefore there is not outstanding balance due to report. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-07-14
Company: EQUIFAX, INC.
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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has called me repeatedly for years telling me they are ready to proceed with court against me for a loan taken from a payday loan company. I have never used a payday loan place like that. When they call, I ask for an address so I can formally request proof of debt and I am constantly told that I need to call Check and Go. When I press for a po box I am told they don't have to give me that information. I can't even get a company name from them. They have told me repeatedly they served me with legal paperwork, I've given my updated address several times but have yet to receive anything from them. 

Supposedly this loan was taken out in the early XXXX  's and sent to a bank account in my name with a bank I have never used or had an account with in a state I have never lived in nor know anyone in.. I've contacted the bank I was told about they have opened an identity theft case. 

They also use an XXXX area code number to call me but when I answer an automated voice tells me to have either my lawyer or me call an XXXX number. 

At this point, I'm waiting for something to happen so I can at least see the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Due to the overwhelming number of cars flooded during Hurricane Ida, XXXX was not able to get the part for my vehicle for a flood repair under insurance for several months. From XX/XX/XXXX, XXXX XXXX was covering the charges for the rental. On the rental contract from XX/XX/XXXX, XXXX XXXX, 2022, I provided the following to Capital One : 1 ) The communication from XXXX that the rental would be covered by them, 2 ) The receipt showing that XXXX was the Bill-to party and not me, 3 ) The same receipt showing that the bill was also being paid by insurance. Instead of billing XXXX XXXX for any balances, XXXX billed my Capital One credit card. I responded to a request to show that the charge was not mine with proof that this balance was already billed to and paid for by XXXX XXXX and XXXX and that my credit card appeared nowhere on the receipt. Capital One denied my claim and closed it. Claim # XXXX Capital One asserts I didn't send them what they asked for and I absolutely did. See attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-25
Company: EQUIFAX, 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:
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. 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 seven 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. Remove the following account : 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 2022-08-26
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: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2023-06-28
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Weltman Weinberg & Reis Co. bought a debt from XXXX Bank on a credit card. Sent illegal letters threatening litigation, and refused to follow federal guidelines outlined in the FCRA to validate the debt. The last request to validate the debt was sent in XXXX of XXXX, the first requests were sent to XXXX in XXXX. Neither party validated the debt under the guidelines of the FCRA and are in direct violation of Federal law.

The debt collector also violated the contract agreement with XXXX and is attempting to use the legal system as a scare tactic even when the contract with XXXX states neither party can use the court system. 

XXXX claims charges were reversed, bank statements with XXXX XXXX XXXX ( the bank used to make the payments ) show the payments, totaling over XXXX XXXX USD did clear to XXXX. Neither party has followed written or verbal requests to validate the debt and both refuse to follow Federal laws and regulations or even state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Today XX/XX/2023 I got an alert that my credit score dropped XXXX points due to Equifax illegally and incorrectly reporting information to my credit report. My report states that my accounts are included in bankruptcy and they are NOT! My student loans have been current for YEARS!!!!!!! I contacted XXXX who states they reported my account current! and that this is Equifax 's fault. I will be reaching out to my bankruptcy attorney as well to let them know of this illegal activity!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to request your help. I am a victim of identity theft and this is causing a huge impact to me and my credit and XXXX  issues because of high levels of stress. I tried to solve this matter with The Best Service Company in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via Fax. 

As of today they have failed to provide me with the proof I have lawfully requested ; This is a violation to the FCRA. They are also committing violations to the section ( 609 ) of the Free Credit Reporting Act by reporting false and erroneous information. 

I demand a deletion letter from this company so this item related to FRAUD gets removed from my credit report. The account is the following : The Best Service Company XXXX opened XX/XX/XXXX. Status Closed. 

Please help me to solve this issue, since they are committing violations of the Fair Debt Collection Practices Act and defamation of character. If The Best Service Copmpany denies a deletion letter, I am willing to take this issue to the next level and let a court judge to decide. I am sure that the list of violaitons will go up once I talk to my attorneys. 

Attached : Letter sent to XXXX XXXX XXXX  on XX/XX/XXXX and FTC 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 explanation