BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-23
Company: SYNCHRONY FINANCIAL
State: CA
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:
XXXX and Synchrony Bank/PPC are fraudulently reporting my PPC account with a balance and incorrect information. This account was settled in full based upon a written settlement agreement made between Synchrony and their representative and myself. Disputes have since been filed multiple times with the credit bureaus and Synchrony fraudulently reports the data to the credit bureaus as correct when it is not. Synchrony and their collections group, XXXX also violated the Rosenthal act 5 times by contacting me between XXXX, despite being reminded they were violating federal laws.

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: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XX/XX/21 Experian Credit Agency at www.Experian.com boosted my score by XXXX points. The next day ONLY Experian added a fraudulent collections account to my report and no other credit agency noticed the fraudulent collections account. At the other agencies I have good credit. Experian personally altered my credit score and lied and said the other agencies knew when they had no knowledge of the fraudulent collections account added on XX/XX/21 by ONLY Experian. They personally are attacking my account and committed fraud while doing so in an attempt to deny me my good score. My Experian account has been locked the entire time. My other accounts are locked as well. Experian is the only agency that allowed the fraudulent information onto my account 1 day after my score increased by XXXX points. They Are discriminating on my account and taking it very personal. The account in question WAS NEVER on ANY of my reports EVER. And for them to slide on my report AFTER my score went up XXXX XXXX later suggests fraud and 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 2020-07-07
Company: Santander Consumer USA Holdings Inc.
State: PA
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:
I have contacted the bureaus and creditor about this account and provided them details on how it's being reported inaccurately, but nothing has changed since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: U.S. BANCORP
State: OR
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:
I purchased a XXXX  debit card from XXXX. I tried to make a purchase for the amount on the gift card and it continued to decline. I called the company 3 times and they were not helpful or supportive. They tried to tell me the merchant I was paying through was saving my information. Each time I called the merchant they stated they were not saving the information. During the third phone call, I called the merchant at the same time I was talking to them to ask the merchant and XXXX to communicate. The merchant continued to say they were not saving my information and XXXX  continued to say they were. There was no resolution and I spoke with XXXX  for over an hour on the phone, with them finally agreeing to send another gift card in the mail, which will take 7-10 business days. My concern is that I will have the same problem when I receive my new 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 2020-05-25
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We requested the cancellation of the XXXX XXXX  in XX/XX/2018 as we moved to another address that the company could no longer provide us with its service because there would be no coverage at the location and as they guided us we returned the equipment at XXXX and at the time the attendant said that we would not need proof as they would automatically download the system. after 1 month of our move the XXXX   sent us the last charge for a month that was not even used since we had made the cancellation request and they did not do it, but to avoid fighting we accepted to make the payment and did not make any complaints. After 2 months again after making the payment this time the XXXX  sends us a new charge, but this time it would be for the equipment that was returned by us since the beginning of the service cancellation request at XXXX and thus started our fight with this company that we thought they were suitable until now because we stayed for 2 years as their customers. And even after explaining over and over again that we had returned the equipment, they still insisted on charging us for something that we returned until now that month we had the unexpected news that this company put us in collection for something we shouldn't and that was returned and that if there was an error it was not on our part and in addition we tried to contact XXXX and they informed us that they no longer have the information because the XXXX removed us from the customer system.

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 2022-06-13
Company: Stenger & Stenger, P.C
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Stenger and Stenger bought an old debt from XXXX XXXX and sued me over it. A judgment was entered on XX/XX/2012. Per XXXX law, they had 10 years exactly to collect on the judgment via garnishment. That date passed and I notified the XXXX XXXX Indiana Clerk of this, yet this company continues to garnish my wages in violation of XXXX law. They were also notified of the date passing, yet have not sent the release paperwork to my employer, and continue to collect on this debt. While overall a garnishment can be for longer, without a renewal before that XXXX window is up, garnishment can only be collected in the first 10 years. 

This is reference case number : XXXX in the XXXX XXXX Indiana courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it.

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 2022-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
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 a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have submitted the necessary supporting documents and I implore you to conduct a thorough investigation into this matter without delay. It is imperative that you take immediate action to remove the fraudulent inquiries from my credit report, as they were not authorized by me and are causing significant distress.

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: CITIBANK, N.A.
State: AZ
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:
AT & T Universal Card # XXXX. Customer presented payment Money Order XXXX XX/XX/XXXX. XXXX  photocopy front and back says account was paid XX/XX/XXXX {$250.00}. As of XX/XX/XXXX AT & T disputes receivement of payment. Refuses to allow customer to submit proof of payment to any supervisor, or investigation team. Customer has not been credited for payment received. Conditional payment of {$250.00} is only temporary. AT & T Universal Card is a 20 year customer in good standing but refuse to allow customer to submit proof. They will not investigate or call customer back in 20 days. Citibank is main company who issues 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 2020-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXXXXXX store guard is playing games with my credit report they issued a credit card in my name put it on my credit report which was never open my me what I do not have any knowledge of I contacted XXXX XXXX this send me a letter saying that they don't know what number is the crate guard and if I can help them write the credit card number so they that they can re investigated yes you're hearing it right the bank that issued the XXXX XXXX doesn't even know the number hes asking the consumer to send his credit report or the credit card number so that they can investigate I personally think this listing should be immediately removed and XXXX XXXX should be been allies to for putting a fake account number on my

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CREDIT COLLECTION SVCS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLLECTION SVCS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: BAM Management US Holdings Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
tried to withdraw funds but told account put on hold due to suspicious activity. i havent even been on this account in months prior now all of a sudden i cant withdraw?! contacted company and they asked me to send them a copy of my drivers license and a handwritten note confirming the day; told it would take XXXX business days to resolve. i sent the info the same day and havent heard from the company since. its been XXXX business days! my personal information is out there and still can not withdraw funds!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I looked over my report and noticed unauthorized inquiries3 and I want them removed. 

XXXX XXXX from XX/XX/XXXX SYNCB/Amazon inquiry from XX/XX/XXXX XXXX XXXXXXXX inquiry from XX/XX/XXXX XXXX XXXX  inquiry from XX/XX/XXXX XXXX XXXX XXXXXXXX inquiry from XX/XX/XXXX XXXX inquiry from XX/XX/XXXX XXXX inquiry from 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 2023-10-04
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX is reporting late payments on this account. XXXX XXXX is reporting the last activity on the account as XXXX but the account was closed in XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 

Under 15 USC 1681 602 it states that I have the right to privacy.

Under 15 USC 1681 604 ( A ) ( 2 ) it states that A consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 ( B ) it states that a creditor shall not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose. 

This needs to be corrected to never late on my consumer report and your records or deleted from my consumer report and your records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07
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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
they reporting XXXX XXXX  and XXXX  XXXX increase when i didnt use the cards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: General Motors Financial Company, Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX inquired XX/XX/XXXX GM Financial ( 2 Times ) inquired XX/XX/XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX XXXXp inquired XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX I have no Knowledge of these hard inquires and according to 15 U.S.C 168 1c-2 they must be remove...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 the following creditors have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account under an open end 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 non-monetary relief
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
I have sent dispute letters for inaccurate reporting on my credit report in XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for the XXXX XXXX account reporting on my credit. I have also contacted XXXX XXXX about this issue multiple times. I finally received a letter from XXXX XXXX. 

According to my rights under the federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. I also have a right to the following : 1. To dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 

2. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 

3. Seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Lender : Hyundai Motor Finance ( XXXX, XXXX ) History XX/XX/2021 : Purchased XXXX XXXX XXXX with {$7400.00} XXXX 2.5 % XXXX loan from HMFUSA XXXX 
XX/XX/2021 : Made {$6000.00} pmt. 
XX/XX/2021 : Called HMFUSA and asked {$6000.00} to apply towards principal payment. 
XX/XX/2021 : HMFUSA credited another {$6000.00}. Account shows {$0.00} amount due. ( attached exhibit 1 ) XX/XX/2021 : HMFUSA sent a loan satisfaction letter and released the title. The letter states " This letter shall serve as certification and evidence of satisfaction of the above-referenced retail installment contract '' ( attached exhibit 2 ) XX/XX/2021 : FL DMV Vehicle title record shows " There is no lien on this vehicle ''. ( attached exhibit 3 ) XX/XX/2021 : Logged in to check loan status. Payment history shows {$0.00} balance amount. ( attached exhibit 4 ) XX/XX/2021 : Called HMFUSA to inquire about the loan status. CSR confirmed the loan is paid in full and I have 0 outstanding balance. Phone conversation is recorded. XXXX : XXXX XX/XX/2021 : While on vacation, received a call from HMFUSA that I now owe HMFUSA. I explained that I've received loan satisfaction letter and title was released. Asked supervisor to call me. Never received the call for any explanation of change. 
XXXX : Back from vacation, logged in to the same account. Payment history is changed. ( exhibit 5 ) The principal balance changed to {$1400.00}. It also displays Total amount due {$890.00}. " Your account is XXXX day ( s ) past due '' ( exhibit 6 ) XX/XX/2021 : Called HMFUSA to inquire more. Not answering.

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