BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-12
Company: Experian Information Solutions Inc.
State: VA
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:
A collection account XXXX was reported on the credit report of {$620.00}. This account does not belong to me. I have reached out to Experian in numerous occasions for several months.

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 2022-11-01
Company: SYNCHRONY FINANCIAL
State: NY
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:
On XX/XX/2022 I purchased a XXXX XXXX XXXX Ultra cellphone that was on Amazon.com ( order number : XXXX ) in the amount of {$1300.00} using my Amazon XXXX store credit card issued by Synchrony Bank XXXX 

On XX/XX/2022, I returned the cellphone to an authorized Amazon XXXX locker and I was given a unique pin code to access the locker. 

After a week or two I noticed that my credits card wasn't refunded. I called the customer support phone number, and I was told that since it is a larger amount it may take up to 30 days for the item to reach the seller and once the item is received my refund will be process. 

I waited for another few weeks and then on XX/XX/2022 I called to check on my refund, and I was told the item was never received and I would be responsible for the charges. 

I then called the phone number on the back of my credit card to dispute the charges. On XX/XX/2022 I faxed a copy of my dispute letter, along with all the supporting documents and the original invoice to Synchrony Bank ( Fax number : XXXX ). 

To my dismay, on XX/XX/2022 I received an e-documents from the credit card company stating that the merchandise has not been returned according to the seller.

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 2022-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Back in XXXX I started receiving bills from Capitol one credit card when I never signed up for a credit card. I have all 3 credit bureaus on credit alert for one year, but someone I don't know has gained access to my personal information and opened up a line of credit. I'm now in debt and I'm trying my hardest to get out of this situation. I have spoken to Capitol one on a few occasions and they said that they will look into it. 
I'm asking you to please help me resolve this issue. I have only one card and it's from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 or about XX/XX/2019, I had leased [ a recliner and a tv stand ]. On or about XX/XX/2019, I contacted XXXX XXXX to legally cancelled the lease. I was told the account would be closed and a recovery team would be sent to pick up the merchandise. On XX/XX/XXXX, the recovery team did pick up [ a recliner and tv stand ]. Without regard to, On or about XX/XX/2019 is when i had noticed that merchant preferred, a leasing company, sent to all three credit bureau that I was 30 days behind in payments. I then filed a dispute with XXXX  all the same, to include Transunion and XXXX  via United States Mail that Merchant was filing fraudulent claims of being behind with payment, nonetheless, I was told the filing was accurate and that it would remain on my credit history. Then On or about XX/XX/2019 I made several attempts to file a separate dispute that XXXX XXXX is filing fraudulent claims. Merchant preferred filed another claim XX/XX/2019 now I am 120 days behind. XXXX, Transunion and XXXX  continue allowing merchant preferred, a leasing company, to file account is now 120 days past due. The next step is to file a lawsuit against all three credit bureaus for negligence if you unable to resolve this issue.

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 2018-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have noticed that XXXX have placed an inquiry on my Transunion credit file dated XX/XX/2018. 

I spoke XXXX a Transunion customer service rep on XX/XX/2018 and was told he cant an unauthorized hard inquiry. 

As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

Transunion report that you pulled a hard inquiry. 


Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, 2022, at XXXX XXXX  ET, I spoke to a XXXX at XXXX XXXX XXXX, XXXX XXXX, who lied about having a previous conversation with me. She stated that I had offered to pay {$4000.00} in a phone conversation I had with her a few months ago. I never had {$4000.00} to pay, so I know she was lying to get a settlement. A debt collector lying is, at the very least, an unethical business practice ; if it's not illegal, it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received notification of a debt that I did not recognize, from a company I did not recognize, with an amount that I did not recognize, on XX/XX/2022. I responded to the letter within 30 days on XX/XX/2022 through certified USPS mail, disputing the amount of the debt and have not received any information about this collection statement. The collection company, LVNV FUNDING LLC, not only reported the debt on my Credit report on XX/XX/2022 without responding to my dispute, they also reported false information on my XXXX and XXXX credit report, and did not list the alleged account as disputed. 

On XX/XX/2022, LVNV FUNDING LLC, reported incorrectly to XXXX and XXXX that I " opened '' an account with their organization on XX/XX/2022, when I didn't even learn about this information until XX/XX/2022. As I mentioned, this information was disputed through certified mail, copies are available, and there is also no mention of the account being disputed on my credit report. I have also disputed the amount of the alleged debt and they are therefore, violating credit reporting laws stating incorrect information on my public records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: CADENCE BANK
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX XXXX my grandmother pasted away and we shared a bank account, my family didn't help take care of my grandmother, I lived and stayed with her for 4 years taking care of her. My family started abusing the legal system by lying and making stuff up. In the midst of all that Cadence Bank allowed unauthorized People access to our account which resulted in the loss of a total of XXXX dollars. I have tried and tried time after time again to communicate with this bank and it does no good what so ever, I am handled like nothing by these people every time I make an effort they are always rude, the company is XXXXCadence Bank XXXX XXXX XXXX XXXX AL XXXX '' My grandmothers name and mine were the only XXXX names on the account. please help me resolve this issue. I am tired of being run over by these people and have not been treated fairly at all .... please help. 


Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/23 I contacted XXXX XXXX XXXX XXXX which is the original creditor. I never had a policy with this company. 
I contacted them, they could not provide a account number or any additional information about this account. 
I tried to provide my social security number the company stated they wouldnt have my social security number. I provided my Drivers license and XXXX XXXX XXXX XXXX  said they couldnt locate a file with my information

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX  XXXX XXXX Balance : {$290.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: JPMORGAN CHASE & CO.
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My husband initiated our paycheck deposit by online transfer of {$7100.00} from his business bank to our Chase Bank personal account on Friday, XX/XX/XXXX. He does this exactly the same every month, and has for the last 4-5 years. He was told the money would be available XX/XX/XXXX or XX/XX/XXXX, and our account shows that it was received. However, we were notified by the bank yesterday that the deposit is on hold until Friday, XX/XX/XXXX, no explanation. My husband contacted them and was on the phone with them for two hours this morning, but unable to get any explanation or a reversal. After trying to blame his business credit union, the most he was told was that the money is " nowhere, '' and that neither they nor we can access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help

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 2023-01-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This bill was paid by the insurance company past 12 months ago, now I am being charged again for the same debt. 
The hospital states that payment was recieved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) 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 a my file at Bureau 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 item 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 Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$360000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Speedee Cash Management
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Hello! On XX/XX/2022 I went into Speedee Cash, XXXX XXXX XXXX XXXX, XXXX, Alabama XXXX. I tried to make a payment but, the doors were locked and all the computers and printers were gone.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-23
Company: Turning Point Solutions LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX  XXXX is calling me repeateddly leaving me messages. I called them back and they are harrassing me over my sisters supposed debt. She does not know who they are and they say I am listed on the contractual agreement and that is why they can call me to harrass me about her debt. They said they were contacting me to give my sister their number but before I called them out they were leaving messages as if it were my debt and they wanted me to pay it. There is no such debt nor contract with my name on it. I have never signed a contract with my sister as a secondary party to anything in my life. They will not send me or rad me the contact. Pure harrassment!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Address Update and Removal of Outdated Addresses Dear Sir/Madam, I hope this letter finds you well. I am writing to request an update to my address information in your records and to have certain outdated addresses removed from my credit report. Please find below my updated address details : New Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you update my information accordingly. Additionally, I would like to request the removal of the following outdated addresses from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I appreciate your prompt attention to this matter and request that you make these updates to my credit report as soon as possible. If you require any further information or documentation from me to process this request, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your assistance in keeping my credit report accurate and up-to-date. I look forward to a favorable resolution of this matter. 

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 non-monetary relief
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: VA
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-31
Company: EQUIFAX, INC.
State: VA
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 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