BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-23
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Paid an amount of the first purchase on XXXX. Was not notified it didnt go through and was charged a late fee and interest because the payment didnt go through and now my credit score has been effected because I have a late payment on a card. I have the money in the account. The information was all correct. They said I was all set and it would post in 1-2 business. I left the XXXX  on the XXXX and I was just able to see that it never posted. They never notified me. It is with Synchronize Bank and the Lowes Credit card.

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 2023-07-28
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Card was purchased for an employee of my company, card was purchased at XXXX and should have had {$100.00} on it. The company that provided this card was XXXX  Product was sealed when given to employee. When it was opened, the card had numbers scratched off the front. When we called the company to try to activate it, they told us the funds had been used already. 

They needed me to submit my drivers license ( front and back ), the gift card ( front and back ), a utility bill (??? ), and the receipt for the card. The company also told me that even after all of this, the funds could be tied up for more than a month. 

This is unacceptable and shady, it seems that they make it as difficult as possible to put in a claim and use the money we loaded onto the card. This should not be how business is done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: NJ
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 company never disclose to me that if I had an extension on a monthly payment that it would affect me negatively on my credit report so about XXXX different times I requested an extension but my loan is paid in full and now in the credit report it says that I had a 30 day late payment which is not true. The company was XXXX. It shows XXXX balance on my credit report with XXXX but I want it removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 a debit card that I had in my file cabinet at home, that had never been removed from the envelope and never been activated by me was used for 3 separate ATM transactions totaling over {$700.00} in XXXX, TX, a town over 100 miles from where I was that day. I saw the charges on the next day, when I logged into Regions and I immediately called my son ( this is his account and I am on the account with him. ) Regions also charged {$84.00} in overdraft fees and ATM fees. My son went to his local Regions in XXXX Alabama to file a dispute. That was almost 3 months ago. Regions is refusing to replace the money saying that someone used the actual card and PIN to withdraw the money. This is an impossibility because I went into the file cabinet when the banker told us that the card used was the one that had been issued to me. The card was indeed in the file cabinet, in the envelope from Regions that the card had been sent in. I have the card in my possession right this moment. The card absolutely WAS NOT used to make these withdrawals. We have filed 3 disputes and they keep denying the disputes, not giving us any solid reason. I have also filed a complaint with Regions but was told yesterday that NO ONE will be reaching out to me regarding this complaint. I was also told that I could not speak to whomever investigated the fraud. It seems to me that no one at Regions is being held accountable for the decision and we are getting no satisfying explanation regarding their decision. My son is a XXXX XXXX who is supporting himself while putting himself through school. This is a huge amount of money to him and in fact, it was part of his student loan for this semester. Please help us to recoup this money. Thank you.

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 
The FCRA

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 2023-12-17
Company: EQUIFAX, INC.
State: FL
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 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  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 non-monetary relief
Consumer complaint received 2023-07-28
Company: I.C. System, Inc.
State: TX
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 Reporing Act, I C System 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. 

With regard to I C System who is the collection agency responsible for an original debt owed to XXXX. 

First and foremost, I C System furnished my credit report to the credit bureaus for the purpose of investigating a dispute without my written instuctions which has violated both section 602 A and Section 604 A Section 2. 

Furthermore, the dates reported on my credit report are incorrect. The date the account is listed to have been opened is fraudulently reported. I have disputed this information with IC System in an attempt to rectify the incorrect dates appropriately, however, I C system continues to knowingly report false information on my credit report. 

Some versions of my credit report depict different account information than other version of my credit report reporting on this same account, a clear and obvious depiction that I C System is reporting incorrect information as I C System, themselves, can not even keep the information straight.

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 2023-02-26
Company: Conn's, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been paying this loan off for close to 2 years now, due to a medical emergency I missed one payment after paying on time for 2 years and have had dozens upon dozens of phone calls sometimes 10 a day from the company even after I've asked him to stop and explained when and how much I could pay

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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. 

has violated my rights. Or list of inquiries 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 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 2023-07-22
Company: Resurgent Capital Services L.P.
State: CA
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:
LVNV isnt license to collect on debts in the state of California. They are illegally trying to collect on a debt. I provided documentation to prove that. Remove account from XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for a student secured credit card XX/XX/2019 ( est ). I was rejected, but I continue to receive junkmail soliciting me to apply again. Even after I opted out on the optoutprescreen website and contacting them I still receive snail mail credit card prequalify solicitations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am reaching out to address the presence of fraudulent personal information and unauthorized inquiries associated with my identity. It has come to my attention that certain accounts and transactions have been falsely attributed to me without my consent or knowledge, causing significant distress and concern. I have taken immediate action to report this incident as I am a victim of identity theft. 

I emphasize the importance of rectifying this situation promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into these unauthorized activities. I am prepared to provide any necessary evidence and, if required, pursue legal recourse to safeguard my rights and seek appropriate compensation. 

I greatly appreciate your prompt attention to this matter and the resolution of this unfortunate situation.

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 2023-07-17
Company: EQUIFAX, INC.
State: NC
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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Mailed a debt validation letter on XX/XX/year> to med and associates Inc at XXXX XXXX XXXX XXXX XXXX OH XXXX I received a letter back from med and associates XX/XX/year> with just a statement and that was it nothing was validated from this company.

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: CCF Intermediate Holdings LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a call and they said in XXXX I took out a {$650.00} loan, with " Easy Money '' a payday lender and when they went to collect for it my bank denied the payment. I requested more information, like the date the loan was taken out, and when the payment was denied. I asked for their address they refused. I also asked to get a copy the contract and disclosures they refused. It was a check apparently they blindly sent in the mail, I assume. I always tear up those come-ons. Then said they were trying settle the debt but now is {$900.00} and if they take me small claims court it will grow to {$1500.00}. I again asked for proof that I actually owed money, because I have NO knowledge of taking out the loan they described. If I had I would have paid it back. I also have check guarantee, so I would have thought if they had actually tried to collect it would have honored. Also, it is strange that they would not know that in XXXX there is a time limitation on collecting a debt of XXXX years and they said the loan and failure to pay was in XXXX, XXXX plus years past the date to collect a bad debt ( except for a couple of exceptions ). I contacted the XXXX Police after the call and they said sounded like a scam, but they could not do anything. I then called my bank to get a list of any {$650.00} deposits and/or returned unpaid payments from checking account but they could only go back to XX/XX/2015, XXXX years. They found nothing. The customer service person at my bank also thought it sound like a scam. 

1. I am XXXX years, old but have all my wits about. If would have paid a debt if I owed it, but I don't believe I do. 
2. I then pulled my credit report all three bureaus and found no such account. I have XXXX FICO on all three reporting agencies. 
3. I firmly believe this is fraudulent request for money. About XXXX years ago, I got a call from XXXX Bank, which I had a card at that time, They asked if I was applying for another credit card and I said no. They told me someone was trying to get a credit card with them under my name but with a different address than mine. So, I am wary identity theft. In that case I reported it to XXXX XXXX Police report and they took my statement. Obviously, my SSN number is out there and other information is pretty easy to get on the internet. 

When they call a XXXX XXXX, left a message, and they gave to XXXX XXXX, who turn out to be the original person I spoke originally a XXXX XXXX XXXX. Apparently their was not XXXX XXXX. Who again refused to provide any proof of the debt. He said they sent out statements numerous time, which I never got. They used several different phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Block, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/23 and XX/XX/23 Cash App stole money from my account claiming a technical error back from XXXX, caused the money from two transactions, both to XXXX, dated XX/XX/23 and XX/XX/23 not to be withdrawn from my account. I have screenshots from my account history on their app showing both transactions were completed at time of purchase. I also have a ledger provided to me by a supervisor at cash app showing the money was taken twice. They are refusing to put my money back they stole. I XXXX this issue and there are thousands and thousands of people with this same issue being told the same lie about XXXX XXXX transactions. This is wrong what they are doing to people. This is THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Klarna AB
State: MO
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 XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end concurrent credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Collection Management Holdings, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
When my youngest daughter was first born, there was an issue with the spelling of her name on her insurance card. So when I visited the pediatrician, at XXXX XXXX XXXX, I had to sign self-pay affidavits for all of her appointments until it got sorted out. After the issue was corrected, I brought her new card to the appointments and had them take a copy. I was assured they would bill all of her pass bills back to our insurance. Then about a year and a half later, I received a notice from a collection agency stating that I had a past due bill of {$300.00}. when I called to speak with the doctors office, they claim that it is for one of those early visits. This should have been billed to my insurance and I shouldve only been responsible for the co-pays and now I have a negative on my credit report for collections that were never owed to begin with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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. 

Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # 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 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 2022-12-27
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I dispute a charge for XXXX dollars because the salon ruined my hair and they didn't advertise no refund and refuse to return my money I sent chime bank All the information and evidence needed and several times I rebuttal my dispute and they never used the information I gave them and I was denied every time

Company response to consumer: Closed with explanation