BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: MI
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:
The accounts reported by XXXX XXXX XXXX XXXX ( a credit card in the amount of {$7500.00} and a personal loan over {$10000.00} ) were formally requested under FCRA guidelines on XX/XX/2023 to be validated. The debtor refused. The personal loan was a motorcycle loan- the debtor requested the payoff letter from them showing verbatim paid in full be provided, it was. Still they refuse to remove these fraudulently reported accounts. As I have followed federal laws and regulations outlined the the FCRA and the debtor has far surpassed their legally allotted 30 days to provide validation these accounts can not legally stay on my credit report. Please remove them promptly. All attempts to get the debtor to cooperate have had no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
IC Systems continues to report erroneous information on my XXXX  consumer report. 
In response 6o my debt validation request, I received a bill on XXXX letterhead that does not itemize their claim for the debt being reported that I owe. I am d4manding that this be removed from my consumer report immediately because this is not my debt and I do not owe XXXX  nor IC Systems {$260.00}. 

A copy of a bill does not VALIDATE the bill. This erroneous reporting has caused me tremendous grief in my attempts to refinance my home.

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 2019-07-12
Company: TrueAccord Corp.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2017 I received a welcome email for a SECURED credit card with XXXX XXXX, so I am assuming thats when the card was opened. My opening deposit was {$250.00}. I used the card and all of my {$250.00} and I didnt make any payments. Eventually the account was closed and turned over to a collection agency. 

They are stating that I owe {$210.00}. I feel I do not owe this money because credit was NEVER extended to me. I was told that whatever balance that was left on the account will be taken out of my {$250.00} and the rest returned to me. Ive disputed with the collection agency True Accord and they only sent me 5 statements as proof that I owe. I would like to see ALL statements from beginning to end. They email me constantly and insist I owe money. How can I owe when it was my money that was being used as credit???

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX ; XXXX XXXX Balance : {$4900.00} ; XXXX XXXX  XXXX Balance : {$8200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$10000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit report and noticed some unauthorized accounts and inquiries. I since then contacted the company and was told what documents that needed to be provided to remove the unauthorized items. I have provided those documents but the accounts and some inquiries still persist. I am a XXXX veteran and I am trying to purchase my first home and would love this to go away fast.

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 2023-10-09
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Synchrony bank reduce my Sam 's club available credit from XXXX to XXXX. The bank reasons were as followed. 
XXXX. My debt to available credit ratio was too high. 
At the time my debt to available credit was 17 %, well below the 30 % that credit counselors recommend not to exceed. 
XXXX. That the amount owed on mortgages had not been paid down enough from the time they were taken out. 
I only have XXXX mortgage and I have been current for the past XXXX years. 
XXXX. Too many credits inquire. 
In XX/XX/2023 I purchased a vehicle. The dealership sent out inquires to many finance companies and banks. As a consumer I should not be penalized for seeking the best term and interest rate. Finally, Synchrony bank ignored the fact the I was never late on payments, and generally paid the balance off each month.

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 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I do have any contracts with this company. The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
I have also sent letters to TransUnion over 30 days ago and have not received a reply or response. 
I have spoke to an agent and I was told that these items would be removed from my consumer report immediately and they still remain on my consumer report. This company has violated my right to privacy and multiple other violations. 

I am protected by the ( FCRA ) Fair Credit Reporting Act ( Right to Privacy as a consumer ) 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave this company any written consent to report or furnish anything to my consumer report. 

15 USC 1692- I am the consumer and the original creditor I am not obligated to pay any debt, I do not owe any debt 15 USC 1681 ( a ) ( e ) - States that you have to interview my family, my neighbors, or any of my associates to verify any account on my consumer report which this company did not do 15 USC 1681e ( b ) - You shall follow reasonable procedures to assure maximum possible accuracy of the information on my report.

They have not complied which is another violation of 15 USC 1681n ( a ) ( 1 ) ( a ) which makes them liable in the sum of up to {$1000.00} for each damage you are causing in my life pertaining to my consumer report Any person or company gaining or gathering information from a consumer pertains their consumer report is doing fraudulent business and can get prison time and anyone involve with another company other than the consumer Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION.

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 2023-10-09
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had very clear fraudulent activity on my account in XXXX and XXXX of XXXX. Synchrony bank never identified the fraud and it continued for 30 days. My account was set up for automatic payment and the money was withdrawn from my checking account paying for the fraudulent charges. I called to report the fraud when I saw the large withdrawal. 
A fraud claim was opened. I contacted synchrony multiple time over the next several months. I never heard from them proactively. The only information I got was fraud communication was via email and I would have to wait sixty business days. I still never heard from them but eventually they found the claim in my favor at the end of XXXX which I only knew about because I called weekly to find the status. I now have a credit balance of thousands of dollars on my account that they will not release. I have been asked for dcoumentation that the payment in XXXX was made. It was an electronic payment so obviously they have that. Regardless I sent that via the companys portal. They claim they dont have it. Now I am faxing the documentation. I have been without this large sum of money for far too long and every step of the way Synchrony has been negilgent in fulfilling their duties. I need help in getting this money returned to me.I also want a complaint filed against Synchrony for negligence as I feel the fraud should have been identified way earlier than it was and this claim should have been resolved long ago. It is not XXXX and I have not received one communication from Synchrony regarding this 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 monetary relief
Consumer complaint received 2021-12-23
Company: Foris DAX, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My account was hacked on crypto.com the hacker charged my bank over 300 dollars and stole all my crypto except the crypto that was in crypto earn it was locked for 3 months! I reported the incident right away called my bank and reported the fraudulent charges and waited weeks for crypto.com to investigate! They finally got back to me and said it was my fault even tho I had every security measure they offered 2fA with facial recognition and being texted a code when I log in! The hacker changed everything to euros sold all my crypto tried to charge over 300 to my bank in new charges and transferred everything to XXXX gift cards in euros and sent them to themselves! Now crypto is refusing to release what crypto I have left and said I must call my bank and to undo my fraud complaint to release my crypto back to me! Ive repeatedly tried to talk to a manager and they refused to do anything! So not only was I robbed but they refused to let me transfer what little crypto I have left and close my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Credit Bureau of the South, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls and voice messages claiming that I have a debt with the company. I am certain that it is not mine as the name provided to me was my maiden name which I have not used for over 6 years since I have been married. I don't have any outstanding debt and any old debts from XXXX  and older were discharged in bankruptcy court as of XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: FORD MOTOR CREDIT CO.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
All the amounts and dates are incorrect, there are lots of errors and inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2021-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Good evening, I cancelled my capitol one credit card months ago, due to financial hardships, however, I continued to make payments. When I checked my credit score, they have still be charging me interest and late fees! I spoke with a representative on the phone when cancelling, and let it be known that i could only pay 35-40/month. That was two months ago. My credit score has been severely effected.

So essentially, they don't care about financial hardships. My payment record has been in excellent standing and they are giving my NO credit on making payments that I can afford. 
This is robbery. I get the whole script about " with this type of card, you have to pay the balance off in full '' before closing and I explained the hardships. 

Please Help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-23
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX CXXXX 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 AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 XXXX AZ XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: BARCLAYS BANK DELAWARE
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I took advantage of a balance transfer offer with Barclay 's bank credit card. Shortly after requesting the transfer I noticed one of the receiving bank 's account number was wrong. I requested they stop or reverse the transaction, or make the transfer to the correct account number. It took a week to get someone on the phone to report the issue, although I used their " secure message center '' that seems to provide only canned responses. They continually said it would be escalated to the correct department with a resolution, first in 1 week, then it would be 2 weeks, then it would be a month. After 2 weeks, though, they tried to close the complaint and said it could not be re-opened, but would have to file a new complaint. After following up, they advised the matter was closed! It then was re-opened only this time for yet another 30 days. Within this interim and after more than a month, Barclay 's agreed to temporarily credit the account during investigation. They were uncooperative and seemed to want to wash their hands of what they consider a completed transaction. After almost 3 months and no resolution, I contacted the Delaware Banking Commissioner ( DBC ). The result was Barclay 's  contact the other credit card bank to verify the transfer. Barclay 's was told by the receiving bank that the account number was " a '' valid account, but did not verify it wasn't mine ( so now someone else has had a transfer credit to their card with my funds ). The DBC shared with me their reply, provided me with the transaction numbers used for Barclay 's transfer to the other bank. I also was told that I should give this to the receiving bank so they can located the funds. Barclay 's again, washed their hands of the issue, posted the funds back to my account lowering my available credit, increasing what I owe and finance charges, and now reports to the credit bureau an incorrect usage of my card that has a negative affect to my credit score. Upon contacting the other bank, the other bank could not find any transaction of this amount on or about the respective dates, but they said they would look into it. Next, a series of requests from the other bank ( XXXX, where I have 3 accounts and best they verified was none of my accounts received the funds ) for more information from me including the erroneous account number that I do not have nor could obtain from Barclay 's, and proof of payment by Barclay 's that they won't supply. I am at a loss. Further details with conversation logs are in my attachment. Over the years, I was licensed under various state Department of Financial Regulations and have never seen something so incompetent or treated with such disinterest and lack of customer service.

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 2023-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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, the company listed has violated my federally protected consumer rights to privacy. 

XXXX XXXX, XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX. Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX .... Balance : - ; THXXXX XXXX XXXXXXXX .... XXXX : - ; XXXX XXXX XXXX XXXX .... Balance : {$6400.00} ; XXXX XXXX  Balance : {$0.00} ; XXXXXXXX XXXX  XXXX .... Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXX .... Balance : {$4400.00} ; XXXX XXXX XXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXXXXXX XXXX XXXXXXXX : 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 explanation