BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX I ordered my credit report, and looked through it thoroughly. I was shocked to learn I had several collection accounts listed on my credit report. I decided to reach out to the collection agencies for clarification on the alleged debt they insisted I owed. Unsatisfied with the outcome from speaking with the collection agency, I decided to reach out to the original creditors. It was then I learned in great detail about the alleged debt, details I either could not get from the collection agencies or when I did receive information from them was totally inaccurate. It was then the discrepancies became apparent, these discrepancies I will list below. 

I C System is listed on my credit report as the collection agency for XXXX, XXXX merged with XXXX on XX/XX/XXXX. I called XXXX for clarification of the alleged debt I C Systems listed on my credit report in the amount of {$1200.00}. XXXX had no recollection of the debt with I C System. XXXX however has another collection agency XXXX XXXX XXXX ( I wrote a separate complaint for this collection agency ) collecting the alleged debt on behalf of XXXX ( which is now XXXX ) in a different amount of {$460.00}. How can two ( 2 ) different collection agency attempt to collect an alleged debt for the same creditor in two ( 2 ) different amounts? I have had the same phone number for at XXXX years, In addition to this according to XXXX, as evidence by the recorded conversation I attached to this complaint. I C System is Re-aging this fraudulent account. ( IC Systems should not be attempting to collect according to XXXX, as they are NOT the collection agency who is in possession of the debt ). XXXX  Date of last activity is XX/XX/XXXX ( as evident by the recorded phone conversation with XXXX  ) On my credit report I C Systems has the date of last activity as XX/XX/XXXX on XXXX and XXXX XXXX XXXX XXXX. This is a grave injustice and totally illegal. According to Fair Credit Reporting Act { FCRA } If you are a debt collector furnishing information to a CRA about the accounts of a creditor, you must report the date of delinquency given to you by the CREDITOR FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven years from the date of delinquency. If the debt was discharged in bankruptcy, however, a CRA may report it for 10 years. I have never had a bankruptcy.

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 2021-09-15
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I returned an item to Amazon.com on XX/XX/21 which was purchased with my Synchrony Amazon Prime Store Card on XX/XX/21. I returned the item via XXXX XXXX drop-off return option and was initially refunded for the item from Amazon, however on XX/XX/21 I was charged back {$51.00} from Amazon as they stated they never received the item. I tried to resolve this through Amazon, and they initially stated they would refund me, but this never happened so I eventually filed a dispute through Synchrony as they are the credit card issuer. I have since completed numerous redundant documents and forms through Synchrony and they have failed to resolve the issue. They have most recently even stated that I didn't complete one of their forms so they are closing the case, however I sent everything to them and have evidence to show this. Synchrony never even gave me a conditional credit on the disputed amount. I feel Synchrony is simply trying to avoid resolving the issue at this point and am asking for CFPB 's assistance as I don't feel this will be resolved otherwise.

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 2021-09-15
Company: CITIBANK, N.A.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX XXXX XX/XX/21 CITIBANK XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX South Dakota XXXX Dear CitiBank : Re : ( # XXXX ) On ( XX/XX/21 ), I ( opened a promotional account {$400.00} bonus for XXXX for 60days ) a ( through an online account ) Unfortunately, ( or service ) has not performed well, inadequate honestly terrible because ( says we can not give you the money due to coronavirus DEPOSIT was 2-3days late ). I am disappointed because I had delays in the mail receiving my account infomation, checkbooks, ie. I have contacted you customer service via chat, the service was not performed correctly, never got a response on YOUR PROMISE. You have it, you promise it, if they're delays due to pandemics I expect a HUGE reliable bank to fix immediate instead of draw out this foolery. I was billed the wrong amount now Im being billed {$24.00} A DAY something was not disclosed clearly or was misrepresented, etc. ) Which in this was fixed and account closed and resolved. 

To resolve the problem, I would appreciate your send me the {$400.00} check you promised. 

I look forward to your reply and a resolution to my problem and will wait until XXXX a ) before seeking help from a consumer protection agency or XXXX XXXX XXXX. Please contact me at the above address or by phone at ( home and/or office numbers with area code ). 

Sincerely, 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 2023-07-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This complaint is regarding poor customer service and issues using my ATM debit card overseas. On XX/XX/XXXX, I was traveling in XXXX and my ATM debit card suddenly stopped working at all ATMs though it continued to work for point-of-sale and internet transactions. I contacted USAA by telephone to report the issue but spoke to a representative who was clueless and could not tell me why my card was not working at ATMs but would work for other transactions. I then emailed USAA 's " executive communications '' channel. Although I marked the message as " urgent, '' explaining I could not withdraw cash while traveling overseas, I did not receive a response until four days later when someone named XXXX called me, supposedly from the " CEO 's office. '' She did not understand my issue and could not answer any of my questions. On XX/XX/XXXX, I again wrote to the " CEO 's office '' stating the issue was urgent, unresolved, and requesting it be escalated. On XX/XX/XXXX, I wrote again stating I received no response. I did not receive a response until XX/XX/XXXX, well after my trip abroad had ended, when XXXX wrote me a sloppily written email full of typos and grammatical errors. So it took 13 days to receive a substantive response and that response was barely legible. Additionally, I could not withdraw cash while traveling and USAA showed no sensitivity to the emergency and made little effort to resolve the issue rather than mail me a new card which I still have not received.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT ACCOUNT NAME : U S DEPT OF EDXXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details XXXX XXXX paid off Balance {$4.00} Balance updated XX/XX/XXXX Original balance {$4.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your XXXX Score XXXX. 
Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX PAYMENT HISTORY LEGEND Status Open. 
Status updated XX/XX/XXXX Original balance XXXX XXXX Monthly payment {$0.00} Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor CONSOLIDATED DIRECT LOANS 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: NV
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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
SYNCHRONY BANK committed fraud when they created an account on my behalf ; Pursuant to 15 U.S. Code 1693 ( a ) Account means savings account or deposit account. I the consumer have never done so nor will I ever. The language used on the bill was that youve given me XXXX but you say that I owe you. When a debt is owed it is shown with ( - ) before said amount, so this means that Ive been credited. As a consumer with open ended credit, I want my account credited. I am REFUSING TO PAY BECAUSE I AM THE MASTER CREDITOR AND ISSUER OF CREDIT. I am not giving you permission to cancel the terms of service and I will not be paying this alleged debt nor any future alleged debts.3. Take Notice, that Pursuant to 15 U.S. Code 1692a ( 2 ) the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium and in this specific case you SYNCHRONY BANK used email, postal service etc. to communicate indirectly with me a consumer who is defined Pursuant to 15 U.S. Code 1692a ( 3 ) as any natural person allegedly obligated to pay any debt.7. You SYNCHRONY BANK are also in violation of 15 U.S. Code 1692b ( 2 ) which states that you may not state that I, a consumer owes any debt. Furthermore, you have attempted to communicate with me on multiple occasion which is a violation of 15 U.S. Code 1692b ( 3 ) ; 9. Take further notice that Pursuant to 15 U.S. Code 1692e ( 9 ) articulates that the use or distribution of any written communication which creates a false impression as to its source, authorization, or approval as you SYNCHRONY BANK is stating that someone other then me a consumer in fact, is the creditor when I am the creditor Pursuant to 15 U.S. Code 1692a ( 4 )

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 2023-07-12
Company: HYUNDAI CAPITAL AMERICA
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I traded my vehicle early XXXX and was ensured my vehicle would be paid off before it was reported late on my credit. As I waited for my vehicle to be paid the deadline was getting close. I called Kia Motor finance on XXXX XXXX ( they have recorded calls by the way ) and they told me that they had not received the pay off from the dealer I traded at. This was not true because this is the date they received the payoff check. I believe this was when it was 28 days late. Anyhow, They told me that I could pay on the XXXX since they still hadnt received the payoff from my dealer and my account would still be not late which is what I ended up doing. Turns out they reported me 30 days late anyways. This dropped my score over 70 points at a time that I am trying to buy a house. This is not right and I would love to get it resolved. On my payment history on the website it says they received the pay off on XX/XX/2023 which was not 30 days late either.

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 2023-07-11
Company: ENCORE CAPITAL GROUP 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:
I have requested numerous companies to remove reported accounts with information that are being reported as fraudulent accounts, wrong accounts, closed accounts, inaccurate account information, accounts not belonging to me, wrong dates and amounts, wrong name, wrong personal information, duplicate accounts, accounts that I never entered into a contract with the reporting company, numerous collection agencies that I do not have nor entered a contract with, accounts that have well surpassed the statue of limitations, etc from collection agencies and other companies/agencies that are submitting this information to XXXX, XXXX and XXXX... but they have refused and or denied my request and have not provided any information to me as to how it was investigated..they have not removed the false and erronious information on my credit reports violating provisions outlined in 15 USC 1962, 15 U.S. Code 1681, Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded. These requirements are critical as the accuracy of your credit report can affect whether you qualify for a loan and at what interest rate, and the privacy of your information guards against identity theft, a very serious problem today that can ultimately affect your ability to get credit, insurance, or even a job. Credit reporting violations include where your credit report contains information that is inaccurate or incomplete, disputed or outdated. Violations of these statutes require compensation to you for the damages suffered, plus an additional amount up to {$1000.00} per violation, plus punitive damages, attorney fees and court costs, and often more importantly, allow you to correct and protect your credit report in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Accounts listed below has violated my rights. 
15 U.S.C 1681 Section 604 A states I have the right to privacy 15 U.S.C 1681 Section 604 A ( 2 ) states a consumer reporting agency can not furnish a account without my written instructions. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education XXXX Bank XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
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 am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-15
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought a house in XXXX XXXX with a mortgage {$320000.00} from the quicken loan company. The Rocket Mortgage is collecting money debts on behalf of the quicken loan. At the very begging of the Pandemic my wife lost the job. Then I apply for the forbearance plan and the Rocket Mortgage has approved and it has been extended up to XX/XX/XXXX of this year. 

On XX/XX/XXXX I called Rocket mortgage and ask regarding some questions regarding my payments, because my total due amount is {$34000.00}. I heard about a loan modification and I asked some questions regarding that loan modification. After couple of minutes he said that I have been approved for loan modification and he asked that can you pay three instalment {$1800.00} for three months and there after they can give a permanent modification. My English language is not good understanding of spoken language is poor. I thought about that and the amount that I need to pay less than {$160.00} amount for the modification and I consent to schedule payments. However, they didn't mention that how many instalments I need to pay. I thought that the instalments amounts are XXXX as original mortgage agreement. Thereafter I received a letter yesterday indicating that the total instalments amount are XXXX. My wife didn't know anything about that and he firstly noticed that the instalments amounts through the letter. My wife is the main borrower of the mortgage. But they didn't discussed anything with my wife. Today I called them and i informed that they misled me specially the instalments amounts. Then I asked to withdraw my acceptance. They say that They cant do that and if I need to withdraw I need to pay total amount of the dues ( {$34000.00} ) at one time. Otherwise they will foreclose my house. I need to pay regular mortgage according to the original mortgage instalment after the forbearance plan and give me chance to pay the dues ( {$34000.00} ) at the end of the mortgage agreement or whenever I sell the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I submitted a complaint against TransUnion reporting wrong information on my report violating my fcra rights they took 45 days to investigate and said they would notify me as to the results within 7days after they completed their investigation im still waiting its been over 30 days no response no results they continue to report inaccurate information on my reports saying paytomorrow is late payment and 120days past due they show it as a auto lease and claim its verified as accurate for 9 months straight showing Im 120 days late after 180 company must charge off you cant be 120 days late for 9 months should be 280 days late the balance is also inaccurate they continue to say its verified but they are clearly lieing its incorrect inaccurate and violating my rights I demand this information be removed immediately see statement showing amounts are incorrect stop the lies TransUnion

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