BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: NY
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. 
Agency : XXXX, Equifax and XXXX Account Name : Capital XXXX Account number : XXXX XXXX This account has violated my rights under these federal laws : * XXXX5 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights. 
* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my credit report with all consumer reporting agencies. 

Attached are copies of their violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions 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:
There are fraudulent accounts by this company that were opened in my name as the result of identity theft, I reported this to the XXXX XXXX onXXXX after I reviewed my free annual credit report and saw the accounts on my file. I filed a report case # XXXX with XXXX XXXX XXXX on XXXX regarding this theft and use of my identity.

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 2020-02-19
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Hello. I have an amazon Storecard services by synchrony bank. I have fallen on hard Times and havent been able to make a payment for a few months now. I am XXXX and currently Have active cases with social security XXXX as well as worker compensation. I am trying to download my billing statements as I do not have paper statements. They are only available through my online account. I am being told that unless I make a payment that I will not be able to get my statements. Is this legal?

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 2023-06-11
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2022-12-30
Company: Experian Information Solutions 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:
For the last 2 months, starting XX/XX/2022, I, XXXX XXXX have been contacting this credit reporting agency requesting proof of verification of the items they have listed on my credit report. I have sent multiple letters through certified mail, I have a tracking number to verify these letters were received by this agency. However I still have not received any updates or proof of how these items were verified to be accurately listed on my credit report from this credit reporting agency. I have requested verification for the following items : XXXX. XXXX XXXX XXXX XXXX - XXXX {$7100.00} XXXX XXXX XXXX XXXX XXXX Bal {$640.00} According to the Fair Credit Reporting Act, 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( A ) reporting agencies are required by law to verify through physical verification of the original signed consumer contract any and all accounts posted on a credit report. Otherwise anyone can give wrongful or worse fraudulent information. I have asked this agency to provide proof for these above items on my credit report but have yet to hear from them about these items and it has been more than 45 days.

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 2021-03-16
Company: MONEY SOURCE, INC., THE
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My account has a escrow shortage and my county has agreed to refund {$3400.00} for the overpayment and shortage. On XX/XX/2021 the supervisor from the county tax office and I did conference call with the tax department at my mortgage company and a refund request application was sent to the mortgage company and they still will not fill out the form and send back to the tax office to at least try to help bring my account current. I have never missed a payment and yet again my mortgage company is refusing to work with me to make sure that I don't get behind in payments because the shortage has caused my monthly mortgage payments to increase to XXXX monthly. I am a single mom who is only trying to provide the best life possible for my daughter. I can't afford {$3200.00} monthly, this will cause financial hardship and possible foreclosure. I wish the tax department would just send the signed refund request application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 have been working with this creditor since XXXX to settle this account in full and remove all negative information reported including late payments. This account should show status as closed with XXXX balance and XXXX past due amount with no late payments reported. Letter from the company confirming this is dated XX/XX/2021 and still has yet to be fixed on my credit 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
Consumer complaint received 2021-08-01
Company: Sequium Asset Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Through checking my credit report/score, I saw that there was a collection notice submitted by Sequium.com on behalf of XXXX XXXX XXXX XXXX. It was for an a phone bill that was overdue. The account was opened in GA and I live in XXXX. I never traveled to GA and I am already a good customer with XXXX XXXX XXXX in a very good standing. 

I tried contacting Sequium.com through phone and email to dispute my debt but I could not get in touch with them and did not get an email back. I called XXXX XXXX XXXX and put in a dispute. I have not heard from them yet. 

I have disputed this with all credit bureaus and both XXXX  and XXXX  removed this collection from my notice. XXXX  claims that the debt is mine but did not provide me with additional information. I have called XXXX  and they told me to gain contact XXXX XXXX XXXX and file another dispute. 

I am not sure how this happened but it is a lot of work to remove a fraudenlet activity espcially when XXXX  is not cooperating very much with me even though the other bureaus were quick to remove this collection from my account and restore my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime banking suspended my account and they won't say in detail why other than suspicious activity and they had me resend my legal documents to verify my identity. I did what they asked and haven't got a response back and it's been past the 48 hour mark. I call and I'm told the same thing to wait on them and they will respond but they haven't and this is causing me alot of problems like my car has been cut off for lack of payment, therefore no way to work, no food at home and I have children and much more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: WA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I'd like the account removed from my file ASAP : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In-store merchant offered purchase incentive with 2-year no interest credit card. 
Synchrony Sport was the credit card provider. 
This was the only time this credit card was ever used. 
Automatic monthly payment was set-up, however the monthly payment drawn was the minimum amount, not the amount necessary to payoff principal in 24 months. 
Since there was no monthly activity the monthly statements were not opened. 
Footnote in their statement was the only form of communication to alert me the promotion period was expiring. No mail, no email, no courtesy phone call. 
Synchrony then billed me at 29.99 % interest retroactively for the prior two years. 
The only came to my attention when I finally received and email invoice for the past due amount many months later. 
I have since paid off the entire principal balance, but now still being charged interest on unpaid, unacceptable and disputed interest charges. 
I have contacted Synchrony several times by phone and by mail to settle this, but been denied each time. 
Their conduct is egregious, non-transparent and predatory.

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 2023-02-24
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I asked the 3 major credit bureaus to do a thorough investigation of all the information on my credit report for completeness, accuracy and inconsistency ; I also asked to provide proof of accuracy for such and copy of an updated report within 30 days of receiving my request. 

XXXX and XXXX, provided a copy of my report past the 30 days and stated that everything was accurate. I did a through research myself after receiving the reports and still found improper, inaccurate and missing information in my credit reports. Experian has still not responded to my request or sent an updated credit report, I also did a through research myself and still found improper, inaccurate and missing information in my credit report past 30 days of my request. 

None of the 3 credit bureaus provided documentation with proof of these changes within 30 days and my credit bureaus are is still reporting inaccurate, inconsistent and missing information. 

As per 15 U.S.C 1681i ( a ) ( 1 ) - Procedure in case of disputed accuracy, my rights have been violated. 

In accordance with the Fair Credit Reporting, the following accounts have violated my rights among other inaccurate information such as name and address update. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request to please follow up with the credit bureaus about this important matter.

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 2021-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX - I attempted to purchase a rental vehicle for my trip in XXXX. I was charged {$180.00}. My trip was delayed and we were late in arriving. The company stated they were open until XXXX. Apparently they close at XXXX and our flight arrived at about XXXX. Tried to dispute Im with the company the day after we arrived since they were closed and disputed with Capital one the day of my return. Both have denied my requests for a refund. At first capital one reversed the charge as a courtesy during the review and on XX/XX/2021 a notice was sent that it will be recharged to my account as the dispute was denied. I am not sure as a consumer how I purchase a rental for 4 days and yet the day after my arrival, I am still unable to pick up a vehicle I had paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is 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 non-monetary relief
Consumer complaint received 2021-03-16
Company: ACIMA CREDIT, LLC
State: OH
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried through all website locations to get a copy of my credit report from Equifax. They have asked me to mail them more sensitive information in order to get it. Someone else could easily steal my identify if I Mail them a copy of my social security card? I placed a fraud alert on this account on XX/XX/18, I have called their customer service department on three separate occasions since then to be told they are upgrading systems and can not so anything and to call back later. This issue is still not resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: TN
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 have filed an FTC complaint. Report # XXXX It's illegal to furnish income on a consumer report. A Charge-off, according to the IRS, is income and the company must file an 1099-C.

PLEASE REMOVE ACCOUNTS BELOW DUE TO INACCURATE REPORTING Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Account numberXXXX Charge-off XXXX  Account XXXX Charge-off XXXX XXXX XXXX  Account number- XXXX Late Payment XXXX XXXX XXXX XXXX Account number- XXXXXXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX inquiries XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have been requesting to the Credit Reporting Agencies to correct the disputed accounts reporting erroneous information on my Credit Report. I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX requesting the investigation, verification and correction of these suspicious accounts. I believe that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because of their willful non-compliance. These accounts were already included in my prior complaint last XX/XX/XXXX, and I'm including it again. The following accounts : XXXX XXXX XXXXXXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$520.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX, must be corrected and or deleted to reflect accurate information on my Credit File.

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 2022-10-18
Company: Experian Information Solutions Inc.
State: CA
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I appreciate your taking the time to DELETE some of the information in my credit file ; however, there are still other account that need to be UPDATED. The Experian credit bureau must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2015 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 explanation