BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: MS
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:
XXXX account # XXXX has violated my rights multiple times in 3 years including today. It is not for 1 reported accurately which is a violation of FCRA 15 USC 1681e ( b ) which states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Also FCRA 1681s-2 ( a ) 5 which states In general a person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. This account is not supposed to continue to be reported as charge off any longer after the date is was consider a charge off and that is a violation This account is also in violation of FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( a ) which states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. This account is a Charge off which the IRS defines a charge off as a gross or ordinary income. Income is NOT part of my credit report so its not suppose to be on here anyway. The original creditor written off this charge off on their taxes with a 1099C which they did not inform me nor send me a form which they were suppose to and that is a violation in itself. They have violated on so many occasions of my rights and I want this account to be removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Avant Holding Company, Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am writing to you today to address a matter regarding the 30-Day late payment that have been reported in my credit report with Avant , LLC company on XX/XX/XXXX XXXX 
I am writing to kindly request a goodwill adjustment to have this late payment removed from my credit report. 
I have been a loyal customer of your company for a few years, and I pride myself on maintaining a good payment record. However, due to unforeseen circumstances, I faced a period of financial hardship which resulted in a late payment. I assure you that this late payment was not a reflection of my character or my commitment to honoring my financial obligations. 
I want to emphasize that I have made every effort to catch up on any outstanding payments and have consistently made 99 % of my payments on time. I understand that late payments can have a negative impact on my credit score, which in turn affects my ability to secure favorable financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: MS
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 XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: SYNCHRONY FINANCIAL
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I had a bankruptcy in XXXX and all outstanding debt was cleared at that time. Since that time I have been 100 % on time with all credit, have an excellent credit score, and I check my credit thru all 3 credit agencies at least 2x per year. I show no history of any late payments or defaults. 

Have received numerous robo calls from XXXX XXXX XXXX ( XXXX XXXX ) regarding threats of legal action regarding an unpaid debt. I returned a call in XX/XX/XXXX and was told that I owed for a credit card I never had. I was also told that liens would be placed on my XXXX XXXX ( one of several registered vehicles currently in my name ) and also on my primary residence and that a law suit was being drawn up against me. 

I am still receiving threatening messages. I returned a call again today XX/XX/XXXX and I told them that I would pay anything that I owed but I needed written proof of the account and balance. They told that me the balance was regarding a GE Capital account ( XX/XX/XXXX thru XX/XX/XXXX ) that I defaulted on and they offered me a {$620.00} " settlement offer '' or a sheriff would be delivering me a notice of suit and summons to appear at my work or home.. It does concern me that they did have the correct last 4 digits of my social security number. I did not provide additional identification from my end. I told them that they would have to provide me with written documentation of the debt or sue me. 

I contacted GE Capital ( through Synchrony Financial at XXXX XXXX today and spoke with XXXX. He searched for accounts by my name, social, and mailing addresses. He confirmed that I have only had one account through them with a department store from XXXX. He stated that the account in XXXX was closed and that no debt was owed. 

The phone number that I received a call from and called and actually spoke with a person on today was XXXX. 

I am requesting that someone please follow up on XXXX XXXX XXXX  ( XXXX XXXX ) XXXX because I believe this to be a scam to illicit over the phone settlement payments from unsuspecting citizens

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 2021-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had an Apple Card balance {$530.00} in XX/XX/XXXX. On XX/XX/XXXX, my father XXXX XXXX XXXX XXXX XXXX XXXX his XXXX checking account ending # XXXX to pay off the balance. Apple Card is issued by XXXX XXXX. 

On XX/XX/XXXX, the AutoPay charged me again from my XXXX checking account ending # XXXX for the same {$530.00}. 

I called Apple to refund the duplicated amount from my checking account, I was told to go to my bank to set up a dispute to recover account, they could not refund directly, since it was an autopay. I followed the instruction, and I recovered the duplicated {$530.00}. After that, I got Apple email on XX/XX/XXXX saying that I owe {$530.00} plus interest, which is XXXX. It has been showing in my Apple Card message until now. 

Since then, I contacted Apple Card through phone calls and Chat many times. I was confirmed that they did see the {$530.00} payment history, and would resolve the issue. They also told me that I would get an email, so I can submit documents with explanations.. 

I never got any emails to allow me to submit written explanations. I got 4 managements calling me, I had t o repeat the same explanations over and over again, but none of them resolved the issue. I was also told to use Apple Chat, and I did. 

The XXXX one told me to expect an email to explain ( XX/XX/XXXX ), it never happened. The XXXX one said the {$530.00} actually went to my previously closed account, asking if I was willing to transfer to the currently active account ( XX/XX/XXXX ). Then the line got cut off, she never called me back. The XXXX XXXX told me to do Apple Chat ( XX/XX/XXXX ), I told her that I already did, and I was promised an email ( XX/XX/XXXX ), I got no email. The XXXX one asked me to call Customer Service, and suggested the I paid the minimum {$25.00} ( XX/XX/XXXX ). 

I finally learned after about 1 month that I would not be able to resolve this issue by myself with Apple Card, and currently I still see my Apple Card being " restricted '' with {$540.00} balance. Apple Card did not reject the payment from my closed card, after they knew it, and they would not transfer it to my active account to resolve the issue, even if I already authorized it. All the phone calls were recorded, and XXXX history is still there. 

With the next charge cycle coming, I would like to request to transfer to close my balance, and waived the interest charge. They would not allow me the chance to submit the documents with explanation thru emails, as I am doing now, I have to resort to you. And the default history will hurt my XXXX XXXX. 

Thank you very much. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt does not belong to me and I have no knowledge of this collection. I never signed an agreement with this company for their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Credit Plus 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:
They are five hard inquiries on my XXXX Credit Bureaus report and are showing under my name. They are not authorized by me and they are not belongs to me. Therefore, all five inquires should be removed immediately from my credit report. 
1 ) XXXXXXXX XXXX XXXX XXXX 2 ) credit Plus 3 ) XXXX XXXX  XXXX 4 ) XXXX XXXXXXXX XXXX XXXX 5 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: CHARLES SCHWAB CORPORATION, THE
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Client Name : XXXX XXXX XXXX Client A/C Number : XXXX ABA/Routing Number : XXXX A/C Type : Checking Bank : CHARLES SCHWAB BANK I, XXXX XXXX XXXX ; a USA law-abiding citizen maintain a checking account with Charles Schwab Bank as detailed above with a running balance of {$250.00} currently. 

The Bank, so named, has without reason continued to place restrictions on the said account and continue to return unpaid checks validly issued on the account by me. 

Prior to this complaint, I have provided to the bank all requested documents and have via telephone answered all their concerns. 

I have no other option as a minority XXXX man living in a racially decimated XXXX XXXX XXXX than to approach CFPB to resolve this and get Charles Schwab Bank to release my funds immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Reporting - XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, I have recently moved to XXXX XXXX XXXX, XXXX, NC, XXXX I am receiving mails related to a loan/credit application with several banks/companies applied by XXXX XXXX and XXXX XXXX XXXX my address XXXX XXXX XXXX, XXXX, NC, XXXX. 
Previous house owner also didnt know a person named XXXX XXXX and and XXXX XXXX. I am worried that this might be a financial fraud, can you please check at your end and tell me what actions need to be taken from my end. 

I prefer email communication as I can't remember each and every complaint Im making for this. 

Thanks, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against 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 non-monetary relief
Consumer complaint received 2021-07-26
Company: STERLING JEWELERS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
KAY JEWELERSis violating my federally protected consumer rights and refuses to provide me with validation evidence pursuant to 15 USC 1692g that can validate their claim of me, XXXX XXXX, the natural person/Consumer owing them any " alleged debt. '' KAY JEWELERS failed to prove their claim that I owe any " alleged debt '' by not providing any " documentary evidence '' of a ledger, delegation of authority, contract, agreement, or anything to stand as legitimate proof that I, the natural person/Consumer owe any alleged debts tot their company. KAY JEWELERS is reporting of my credit creating an " adverse action '' pursuant to 15 USC 1682a ( k ) ( 1 ) and should and will be held criminally liable pursuant to 15 USC 1611 and civilly liable pursuant to 15 USC 1640. this information is damaging my reputation and hurting me both financially and mentally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am writing this complaint to the CFPB because I have had a lot of issues with the XXXX Transunion, and XXXX. I have sent several letters to the credit bureaus in regards to violations of fraudulent activity that have been reported to my credit bureau profile. It has been over 30 days and i have not heard anything back in regards to my concerns. By law I should have heard something by now my demand is that all of the violations on my report included in the letters that I will provide be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: CITIBANK, N.A.
State: NV
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:
In XX/XX/XXXX, I was notified by Citi that a payment was due on my Citi credit card. I hadn't made a transaction on this credit card since XX/XX/XXXX and the account was paid in full with a XXXX balance. 

I immediately reviewed my account and saw that there were transactions that I did not recognize. There were twelve transactions ranging in dates from XX/XX/XXXX to XX/XX/XXXX. The total amount of the transactions was {$5600.00}. The location of all twelve transactions was XXXX, Indiana. They are : XX/XX/XXXX XXXX {$300.00} XX/XX/XXXX XXXX XXXX  {$270.00} XX/XX/XXXX XXXX {$510.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} I contacted Citi immediately to report the unauthorized charges. Citi opened a fraud case. On XX/XX/XXXX, I contacted Citi and they asked me a series of questions. I received a letter on XX/XX/XXXX from Citi that was dated XX/XX/XXXX. This letter was a notification that " Your dispute ( s ) has been closed ''. The letter said, " We've completed our investigation and your dispute ( s ) is now closed. The card 's EMV chip was used to make the disputed transaction ( s ) at a chip enabled card reader. You verified that your card was in your possession at the time of the transaction ( s ), so we don't consider this fraudulent activity. The charge ( s ) totaling {$5600.00} will remain on your account, under your account activity. '' I have never been to XXXX, Indiana and was not in XXXX to make these transactions. I can prove my location through work records and travel receipts.

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 2023-07-27
Company: EQUIFAX, INC.
State: IL
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:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax and XXXX are reporting XXXX inaccurate accounts of collection accounts. I have reached out to XXXX and after a review of the accounts, they removed all 3 collection accounts from my report. I have reached out to Equifax and XXXX multiple times and each time they brush me off and say they have verified the accounts but do not provide documentation to show how, when or if they actually verified the accounts. I want all XXXX collection accounts removed from XXXX and Equifax as since XXXX removed the accounts, that means XXXX and Equifax should not be reporting those accounts anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation