BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-03
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I applied a credit card for emergency XXXX XXXX in the beginning of XXXX. I had the XXXX and received a bill with 2 weeks and paid it. 
I did not receive a bill since then I called the company about 2 weeks ago and asked for my bill. They said thet they would send it but it never arrived. Despite the fact that they told me that I would not have to pay interest if I pad it with in a year. My interest for the missing bill was {$26.00}. Now I have no bill and am completely unable to reach them on the phone. They are lending money at unusually high interest rates under the guise of helping people get medical and dental treatment. I have been working on rebuilding my credit and this is just destroying it. 

My name is XXXX XXXX. My phone number is XXXX XXXX XXXX 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 2022-12-13
Company: CITIBANK, N.A.
State: MN
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: Card was charged for something you did not purchase with the card

Complaint:
On my Citi bill were charges I did not authorize. 
Offer XXXX promotion : XXXX -- XXXX XXXX -- XXXX XXXX -- XXXX XXXX -- XXXX Offer XXXX promotion : XXXX -- XXXX TOTAL : {$1300.00}. 

I called today to tell card company I did not authorize & did not know what the charges were for. I was told it was an XXXX  promotion to lower fee from 19.6 % to XXXX & now promotion is over they are charging for it. I explained I pay my bill in full every month so had no need for this & would not sign up for it. They insisted I did which I did NOT & refuse to drop charges. Can you help me get my money back? I was so upset I closed account.

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 2023-07-04
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX  XXXX XXXX # XXXX XXXX DATE $ XXXX I am knowledgeable that 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 XXXX years. This is effecting me by causing me to have higher interest rates that I'd normally qualify for. Resulting in undue XXXX & stress. Payments are now becoming unaffordable & quality of life is deteriorating.

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 2018-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018, I received a letter from the Credit Bureau concerning incorrect information on my account with XXXX 's. I supplied documentation with my submission of my complaint and was told that they never received any documents with the complaint through Consumer Financial Affairs website but they were able to correct my dispute with the account of XXXX XXXX which the documents for this dispute was attached to the complaint with XXXX 's. I am submitting documents from a complaint I filed against XXXX XXXX XXXX who XXXX 's contracted which states that they no longer have this account as of XX/XX/2018, also a copy of a account statement from XXXX 's stating that this account is {$0.00} balance along with a statement where the XXXX I returned was returned to this company and they were still charging my account which led to incorrect information in my file. It's sad that you can not get anyone to do their job and actually investigate the problem and the only thing a company has to do is to submit electronically without any evidence stating ACCOUNT IS VERIFIED AND ACCURATE. The credit reporting agency do not ask for any documentation but take their word and I have submitted several complaints and uploaded documents and I am still fighting to get rid of inaccurate information.

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 2022-12-13
Company: The CBE Group, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have previously received notice that this account was sold to XXXX XXXX for {$170.00} owed. After reaching out to them I was informed that XXXX had reclaimed ownership over the debt. I reached out to XXXX and was told that I owed {$320.00}. When I told the representative that I don't recall that amount they responded that it cost more because of unreturned equipment. 
I requested debt validation from XXXX and XXXX before the debt was sold again to a new collection agency. The final bill from XXXX reflects {$170.00} including unreturned equipment fees. I believe this proves that XXXX  and the current collection agency XXXX be reporting an incorrect amount owed Last bill reflects On XX/XX/2019 Previous Balance {$120.00} Unreturned Equipment {$78.00} Monthly Services ( XXXX ) - {$19.00} Total Due. {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Experian Information Solutions Inc.
State: SC
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:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit 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 non-monetary relief
Consumer complaint received 2023-02-13
Company: Self Financial 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:
The payment history is inaccurate and the dates tagged as late were incorrect and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
THE GROUNDS OF THIS DISPUTE WITH SAID COMPANY XXXX XXXX  WAS THAT THIS COMPANY WAS SUPPOSED TO NOTIFY ME OF THE DEBT THEY ALLEGED I OWE. WHICH XXXX XXXX FAILED TO NOTIFY ME ABOUT REPORTING DEROGATORY INFORMATION. In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; " The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), ' 15 U.S.C. ss 1681s-2 ( a ) ( XXXX ) ( B ) ( XXXX ). which i am sure your legal counsel will agree that XXXX XXXX  did not do. Lets also not forget that XXXX XXXX  broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were NOT met. IN MY DECLARATION i asked for validation of debt and DID NOT receive that. XXXX XXXX '' failed to give me my Mini-Miranda five days before placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of LA allows treble damages. Under 809. according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC , and that my state attorney general can also enforce this with a {$1000.00} penalty as well. XXXX XXXX is held liable as well for defamation and in the state of LA a creditor is who collects their own debt is considered a debt collector under FDCPA. OBVIOUSLY XXXX XXXX  is not very proficient in the rules of evidence. I NEVER received DOCUMENTATION. there is no contractual agreement that i owe any alleged debt to XXXX XXXX. THINGS THAT A DEBT collector MUST do is offer proof of the debt as owed by providing copies of the signed intrument or judgment from the original creditor. XXXX, FTC informal staff opinion letter, XX/XX/XXXX. See 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 ), et seq. 2. I am sure that your legal counsel will agree that XXXX XXXX have violated multiple of the above stated laws. IF XXXX XXXX  continue collection activity with not shown me ANY PROOF, nor the FTC OR CFPB that i was served my Mini-Mirandi rights, i will be pursuing LEGAL ACTIONS AS WELL AS FILING A REPORT WITH THE LOUISIANA ATTORNEY GENERALS OFFICE. I HAVE FILED A COMPLAINT WITH THE FTC & THE REFERENCE # IS 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 non-monetary relief
Consumer complaint received 2019-02-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I recently received a debt collection notice from this company. I work long hours and I am requesting no phone calls and to be communicated with in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: Merchants' Credit Guide Company
State: IL
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 FCRA the creditor XXXX XXXX has violated my rights. Under 15 USC 1681 section 602 status I have the right to privacy. 15 USC 1681 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Waypoint Resource Group, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018 I received notice from XXXX, via credit alert, that Waypoint Resource Group had put an account in collections under XXXX XXXX ( which I have never had service ). I had not received written notification of this debt, nor my rights as a consumer, including the amount they alleged that I owed, who the original creditor was/is, or information about what I can do if I think I do not owe the debt. 

Subsequently, on XX/XX/2018, I sent them a letter notifying them that this lack of notification violated 15 U.S.C. 1681 ( 2 ) of the FCRA. I also asked for validation of the account pursuant to 15 USC 1692 ( g ).  The letter asked them to cease collection activity immediately. 

Waypoint did not cease collection activities. They did responded on XX/XX/2018 but did not respond with proper notification, nor any validation of the debt. 

They updated the account status as having been " disputed ''. However, this was delinquent. ( 30 days after receiving notification of dispute ). Waypoint acknowledged that they could not validate the debt, however collection efforts continue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 VA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid 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:
Let me premise this complaint by saying Ive have always worked hard at preserving my excellent credit score, and this is the 2nd time in my entire credit history a creditor has intentionally ruined it. 

In XXXX of this year, I received notice from American Express that my credit card would soon expire ; and a new one should arrive shortly. In XXXX, I received my card and put it aside to use for emergency purposes. During the month of XXXX and XXXX, I received a number of promotional offers... including a personal loan. Since I pretty much stopped using credit cards, I wasnt enticed by their offers. 

On XX/XX/XXXX, concerned that my XXXX XXXX was in need of wheel alignment, I had it inspected by a reputable repair shop. Unfortunately, they determined my control arm wheel bearing unit needed replacement. Once the repair was complete I opted to pay using my American Express card. It wasnt until receiving a text message from them I realized the transaction was over my credit limit. Well, I figured an extra payment ( {$100.00} ) towards my balance would resolve it. 

Earlier this week, I received an email/text from a credit monitoring company that my score had dropped from XXXX to XXXX. Dismayed, I called American Express regarding this issue to hopefully resolve it ; or at least receive an explanation as to why the transaction was approved. Again XXXX reiterate my use of credit cards was minimum, and my credit limit had decreased on all of them. After speaking to a representative, who couldnt provide any insight on the approved transaction ; Im hoping by registering my complaint to you, my credit score would be restored. 

It really baffles me, that I can receive promotional/personal loan offers due to my credit worthiness ; yet a {$75.00} over the limit transaction ( which they should have declined ) has placed me at a marginal status. Its also worth mentioning, Ive been an American Express member since XXXX ; and never been late on a payment. My credit history is what Ive worked to achieve and maintain, and I want my XXXX score returned in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 paid off all balances on my credit cards first week of XXXX. Now it's XX/XX/XXXX and some of the balances are still showing on my reports. I've contacted both the Credit reporting agencies, submitted disputes and still nothing.

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 2023-09-27
Company: Fig Tech Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX contacted me on through the XXXX XXXX XXXX XXXX online dating app. He continuously XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He XXXX  XXXX  to give over my social security number, a photo of my drivers license, and all my banking details. He stole money out of my bank accounts and had my banks shut down. He put fake checks into my account and fraudulently used my banking information to pay for XXXX to erase any internet data so he could not be traced. I told him to stop but he refused. All of the transactions were unauthorized. I never heard of Fig Loans LLC until I saw it in my credit report. I never applied to any of those loans. I did not consent to that loan. I tried to contact Fif Loans and they told me I do not have an account with them but it is still on my credit report. I also gave them a handwritten statement attesting that I did not open that loan nor did I ever give any permission to open that loan under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Experian Information Solutions Inc.
State: LA
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 not able to obtain the credit to which I am entitled because XXXX, Experian, and XXXX are ignoring my repeated disputes of numerous accounts that are being reported to my consumer report that I never initiated.They are REQUIRED to abide by the exercise of my right to prohibit the information from being used in connection with transactions that I did not initiate pursuant to 15 USC 1681m ( d ) ( 1 ) ( D ).

I am a victim of identity theft and I have repeatedly requested that the credit reporting agencies block the information being reported pursuant 15 USC 1681c-2. The supporting documentation for the block of information has been on file since 2018 which includes the affidavit of identity theft, identity theft report, written statement, copy of driver 's license and copy of social security card.

According to 15 USC 1681, false information being furnished to my consumer report is defamation of my character.

The accounts being disputed are being furnished by creditors that are not licensed to conduct business in Louisiana which makes all purported obligations null, void unenforceable, and uncollectible as against public policy of this state pursuant to La. R.S. 9:3518.4 ( a ) ( 1 ).

They are purporting to have completed investigations of my disputes in just 24-48 hours have failed provide an explanation or a list of reasons. The credit reporting agencies are damaging my reputation and causing me credit discrimination.

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 2023-01-12
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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: Foris DAX, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I met the girl on an online dating app, and we started talking. 
Her aunt was a Crypto expert and " helped '' me with investments. They instructed me about everything. 

I wired money to a bank. Then transferred to Crypto.com. 
There is a fraudulent XXXX  called XXXX. This XXXX  page looks legit, but when try to withdraw they demand I send more money to prove I am not laundering money. 
They kept asking for more and more money and never allowed me to withdraw anything. 

I lost total amount of XXXX USD! 

Please see attached for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX 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

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