BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
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: Their investigation did not fix an error on your report

Complaint:
I sent the attached letter to Experian and they received it on XX/XX/2022. Experian responded to me online XX/XX/2022 that the issue was resolved. 

I am trying to figure out how Experian investigated and resolved the inaccurate information on my credit report in 2 days. 

See the Attached credit report showing the inaccurate information : The Inaccurate information on XXXX XXXX XXXX XXXX XXXX -Last Date of Activity is different in all 3 credit reporting agencies.

-Status is not consistent across all 3 credit reporting agencies. 
-High Balance is not consistent across all 3 credit reporting agencies.

-Comments are also not accurate between all 3 credit reporting agencies.

-Payment History is not the same across all 3 credit reporting agencies. 

The inaccurate information on XXXX XXXX XXXX XXXX XXXX -Last Date of Activity is different in all 3 credit reporting agencies.

-Status is not consistent across all 3 credit reporting agencies.

-High Balance is not consistent across all 3 credit reporting agencies.

-Most Recent Adverse Rating is not consistent across all 3 credit reporting agencies.

-Payment History is not the same across all 3 credit reporting agencies. 
-

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 2021-02-10
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/2020, I got an email about my JCPenney credit card statements. It said that starting the first of XXXX, I wasn't getting paper statements any more. They had changed my statements to electronic only, and if I wanted to change it back to a paper statement, I needed to click a link in the email. I don't EVER click links in unsolicited emails, and I've had many fraudulent emails from ppl claiming to be from a bank or company that I use. I ignored it, because when I XXXX  if it was legal for a company to do that, I found it was NOT legal. Then I got ANOTHER email from a different store credit card through Synchrony saying the same thing. I don't usually check my email more than once a month, unless I'm looking for tracking info on a package I'm expecting. I called the company, and told them it was illegal for them to be changing my billing without notifying me BY MAIL. As far as I know, it was changed back, but I've now gotten an email about a card in my wife 's name with the same garbage tactic. I believe it's to make millions in late fees by changing billing and hoping lots of people like me won't see the email or won't respond. They also refused to put ANY of my payment amount towards an " 18 months no interest '' promotion, so I'm going to get hit with hundreds of dollars in back interest in the fall. They also suddenly lowered credit limits on two accounts to just over what my balance was, which caused a 60 point drop in my credit score. There were NO late payments, missed payments, or anything else. ALL of my credit cards have been in good standing. This company is corrupt, is doing illegal things and is destroying people 's credit in the middle of a historic pandemic. 
Their business practices are designed to cause harm to consumers and attempting to use fraud to make money from late fees, over the limit fees, and raising interest rates as punishment for the results of what THEY are creating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I've been dealing with a troublesome account that is misleading and false, as it incorrectly indicates that the account is in foreclosure while it was actually paid in full. After disputing this with you countless times, you failed to perform a reasonable and complete investigation, causing me severe distress and actual damages as a result of being rejected numerous things for which I should have been approved. This XXXX XXXX XXXX account with an account number of XXXX on XXXX and account number of XXXX experian is destructive to my health and I need CFPB to enforce the fairness and proper reporting of this account on my credit report. I have proof that i will attach showing the account paid off and in good standing.

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 2023-03-10
Company: KEYCORP
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
On XX/XX/2023 I had received a check of {$16000.00} from XXXX XXXX  and deposited to key bank account and they said that check was returned and they were a fraud. I contacted by email the person who sent me a check but no more response, until now. 
I had been calling the fraud department and still investigating and my bank is now on restriction, blocked, I dont have access online bill payments, Its the only bank Im having and Im suffering now going out paying bills. 
Please help me to resolve this matter for myself and waiting for your support team to contact me via direct message to my mobile phone number Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have a loan with ally bank I had not received any statements for well over XXXX months so I entered a formal billing dispute and withheld payment following ucc and cfr laws I also notified a them and they say they never received my correspondence nor the remittance coupon for the remainder amount of XXXX. They didn't respond to either so following the law I had also notified them per ucc the no adverse action could be taken until the issue was resolved and since the check wasn't returned I waited in good faith believing they had accepted the check for value being that it wasn't returned nor was any notification sent to me about repossession. They did take the car and now say it's my fault. So so far I have filed a police report. And would like my property returned because the did receive my certified letter and were given the allotted time. But as far as I'm concerned I still have no resolution for my billing dispute and I followed the law. Yet they are in dishonor and the alloted time expired so according to law the balance should go to XXXX. But they say the laws don't pertain to them and went ahead with adverse action of repossession. And I would like my property back. I sent certified mail to ally with the formal billing dispute on XX/XX/2022 they received that and the XX/XX/XXXX and XXXX. And I claimed the remit coupon and was made out for the balance remaining. And received nothing and so as the law states I believed in good faith they accepted it since it wasn't returned or no statement to the contrary

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 2021-04-03
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
There is no way for me to report on my credit report I am a victim of a governmental racketeering enterprise or prohibited personal practice. Pursuant to the 14th amendment, 42 USC 1988 ( a ), 18 USC 1964 and 5 USC 1221 ( g ) ( 1 ) ( A ) ( iandii ) and 5 USC 5596 for an admitted prohibited personnel practice pursuant to 5 USC 2302 or a governmental racketeering enterprise pursuant to The Florida RICO Act ( see attachment 18-1 case number 20- 1679 in and for the US Court of Appeals for the Federal Circuit ) I am entitled to {$40.00} XXXX and an Admiral retirement. I have intellectual property that is constitutionally mandated to be implemented that is designed to control hurricanes, global warming by controlling the temperature of the ocean, and make the oceans more prolific by nourishing phytoplankton with upwelling when it is needed most, and to control red tides.

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 2023-10-18
Company: Experian Information Solutions 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, this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy 15 USC 1681 section 604a section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 1666 b, a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

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 2023-02-27
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX XXXX XXXX, I logged on to XXXX to access my credit report ( for the first time ) and noticed that Resurgent Capital Services was reporting account # XXXX is being as being in collections. This is not my debt. I never created this debt, opened an account, or signed an agreement to pay this account. I do not owe Resurgent Capital Services/ LVNV Funding any money. 

In an effort to get this resolved, I sent a debt validation letter ( included below as " Copy of Debt Validation Request.pdf '' to Resurgent Capital Services on XXXX XXXX, XXXX ( copy of certified mail receipt included as " Certified Mail Receipt.jpeg ''. ) In the letter, I requested the Resurgent Capital Services provide me with competent evidence that I owed them money, including : Agreement with their client that grants them the authority to collect on this debt. 
An agreement bearing the signature of myself wherein I agreed to pay this account. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Alleged account number. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold Resurgent Capital Services. 
Complete accounting of alleged debt. 
Any judgements obtained by any creditor regarding this account. 
Proof that they are licensed in Pennsylvania to pursue this debt According to XXXX, they received this request on XXXX XXXX, XXXX ( XXXX XXXX XXXX. ) On XXXX XXXX, XXXX, I received two letters in the mail from them. The first included a brief letter ( resurgent capital letter received 2 27.jpeg ) and and their alleged records that show an account that I never opened or had ( Resurgent Capital Alleged Record 2 27.jpeg. ) The second letter included a judgement that was filed against on behalf of LVNV Funding LLC on XX/XX/XXXXXXXX.

Resurgent Capital was unable to furnish me with the bulk of what I requested, including an agreement bearing the signature of myself wherein I agreed to pay this alleged account, proof that they are licensed in Pennsylvania to pursue the debt, or an agreement with the alleged creditor that granted them authority to collect this alleged debt. Therefore, they failed to sufficiently validate this alleged debt. 

As of this month Resurgent Capital Services is continuing to falsely report to the credit bureaus that I owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: DISCOVER BANK
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:
This complaint is additonal information from the 1st complaint I had previously submitted. I have been having an issue with my discover card. I complained in my first complaint that there was frudulant activity on my card. I had received the credit back after the investigation however a month later they put the fraudulant funds back onto my credit card. They want a police report. I went down the precient and was told they can only fill out a field report which is not what they are looking for. I also complained about not being able to view my account online anymore. I was told they will fix that and allow me to view my account online. They never did. Yesterday XX/XX/2019 a payment arrangement that was previously arranged I had changed to a different date. Upon completely the date for the payment to come out I had asked why I am still not allowed to view my account online? I also stated I was told in the last conversation last week it would be fixed. I was put on hold for over 45 minutes waiting to be transferred back to customer service to resolve this issue. However after a 45 minute  wait I hung up. I am very upset at the fact that I am being billed close to {$1700.00} plus interest and fee 's that accured do to this fraudulant activity and on top of that I still can't get online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: SC
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 to the Fair Credit Reporting act XXXX account XXXX XXXX XXXX, account number XXXX, has violated my right. 

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

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

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 2023-04-21
Company: Experian Information Solutions 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:
Experian, I am filing yet another complaint against your company. I continue to request your attention to this matter. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Please block this information from my credit report immediately, pursuant to section 605B of the Fair Credit Reporting Act you have four days, Please send the required notifications to all furnishers of this information and send me an updated copy of 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 2020-04-09
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$120.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXXenclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNTS -- 1. N/A with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$120.00} -This is not my account. 

2. N/A with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$11000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
After saving and planning, I contacted this company to settle my debt but instead the egregious employee condemned me and basically said I don't deserve to settle because I spent the money I owed. When I explained to him that I was young and not knowledgeable when I signed up for the XXXX credit card and that I actually only spent 25 % of what I owed and would like to settle for that amount, he refused. Instead of coming to an agreement he argued and tried to intimidate me. He also said they would not take the collection off of my report even if I paid the whole amount and asked for a pay to delete letter. He was totally rude and unhelpful. He cut me off every time I tried to explain my situation and was very pushy and continued to call and harass me and threatened to report to other agencies even after I offered to settle!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I ordered a refrigerator from Lowes Home Improvement XXXX. They did not deliver it or call me on the deliver day. I looked at my account for Lowes online and it look like it was returned to their store, so I ordered a refrigerator from XXXX XXXX instead. In the mean while, Lowe 's created a new order and tried to deliver the refrigerator. When they the delivery person called me, I declined delivery of their refrigerator. The delivery person processed my decline as a delivered refrigerator and signed " N/A '' for my signature ( THIS IS FRAUD ) XX/XX/2023. I contacted the store multiple time by phone and in person asking for them to remove the charge since I never agreed to the purchase of the refrigerator and never received the refrigerator. They keep refusing to refund the charge of {$1100.00}. They sent me a gift card and told me to pay the charge with the gift card. I went to the store to attempt to use the gift card to pay off the charge, but the Lowe 's stated the don't accept gift cards for payment. I have not used the gift card. I opened another dispute with Lowes for the charge by phone. I received a letter from Synchrony Bank/ Lowe 's account XX/XX/2023 stating that they are reviewing my claim. Lowe 's still has my account with the refrigerator marked as " Return Received at Store '' 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
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: TX
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 XXXX account # XXXX. XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account witout my written instructions.

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 2023-09-01
Company: Accounts Management, Inc
State: SD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was sued by a third party debt collector. When the process server served me with notice of the law suit, it was the very first time the debt collector contacted me in any way about the debt. Furthermore, the original party claiming the debt was owed, never contacted me at all about the debt. 

I'm being sued for medical expenses for my daughter that I had no knowledge of for services that I never consented to. None of the parties involved contacted me AT ALL prior to the lawsuit filed by the third party debt collector. I have not been provided enough documentation to substantiate the debt or the services alleged in the lawsuit. I advised the third party debt collector that they had not followed the requirements of the Fair Debt Collection Practices Act and they have ignored me and proceeded with the lawsuit. 

I had no knowledge of the information, because my ex-wife was the individual they dealt with ... nobody contacted me at all until the lawsuit was filed against me. 

After violating my rights under the FDCPA, the third party debt collector went on to file a motion and order for summary judgement against me claiming that I did not answer the lawsuit when I actually did. It was a false affidavit filed with the Court. I was forced to respond to the false allegations and have the oder for default vacated. 

The actions of the third party debt collector in this case, I believe are in violation of law and have caused extreme anxiety and stress. XXXX This is an unfair, deceptive and abusive practice. The third party debt collector is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SD I believe this is a pattern and practice for this debt collector to file lawsuits against fathers who were not involved in the medical decisions or care, in order to gain leverage over them in a pending lawsuit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation