BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To Whom it May Concern : Me And my Husband Mr. XXXX XXXX was Victims of a Home Invasion in Our Home, many things was Stolen, such as TV Computers, passports, Identification SS # ETC we Made A police Report, But I did Not realize that these Criminals would Commit Crimes Using my Name to Open Fraudulent Accounts. These Accounts was Not Authorize by me Nor My Husband Attached are My ID # SS # and Police Report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts, nor is the addresses or names listed not me.

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 2022-11-03
Company: Experian Information Solutions Inc.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: SYNCHRONY FINANCIAL
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of XXXX I made arrangements with Synchrony Bank to settle a credit card debt on my Sam 's Club credit card. The amount that was agreed upon was {$6300.00}. The terms of the agreement as I was told was that I had one year to pay that amount or it would go into default. At no time was I told to make a payment every month, only to pay it off within one year. I asked for the terms to be emailed or mailed to me in a letter and their representative said they don't do that. He said that I would only get a letter from them when the settlement was paid in full. I made my first payment on XX/XX/XXXX for {$2500.00}. I made another payment on XX/XX/XXXX for {$3000.00}. I called on XX/XX/XXXX to make the final payment of {$890.00} and was told that the account was in default and they could not accept my payment because I did not make a payment every month. I asked them why it went into default after I made the payment in XX/XX/XXXX instead of sooner when I hadn't made a payment for almost 7 months after the first payment. They would not tell me. They just said I didn't comply with the terms. At no time did I receive anything in writing stating I was in default from Synchrony or the terms of my settlement agreement even though I had asked for it. I don't believe I am in the wrong here due to their refusal to send me anything in writing. I am fully prepared to pay them the agreed upon balance of {$890.00} but not the {$7000.00} they say I must pay. They have extremely deceitful practices when it comes to consumers as I spoke to someone else who ran into problems with this company. I hope that you can contact these people and find out why their practices do not include anything in writing.

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 2023-07-26
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Synchrony bank/ paypal credit is worst financial institution that I've ever worked with. I ask them for months to provide me with a settlement and they refused saying that I would need a late payment for them to offer me a settlement. They then charged off my account and proceeded to report it wildly inaccurately to all three credit bureaus. I've asked that it be corrected or removed at least 10 times and they refuse to do so. In addition, they have charged large and unnecessary fees to my account and they are even reporting my account as " closed '' and " over limit '' which is wholly untrue.

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 2022-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion is claiming to have verified on XX/XX/2022 an item on my credit report. The problem with this claim is that upon them providing me with the contact information for the furnisher of the item ( which is XXXX XXXX ) I reached out to them directly. 

Upon reaching out to XXXX XXXX they confirmed that they have removed the item in question in compliance with the FCRA 15 U.S.C. S 1681 et seq. Due to their lack of being able to verify this item. 

Which would then make Transunions statement about verifying the item false and the reporting of the item illegal. But to be sure I was accurate in my efforts I also reached out to the party that Transunion is claiming to sometimes received information from which is the Bankruptcy Court. They to have confirmed that they do not communicate with the bureaus and have NOT verified anything. 

So it seems there is an issue with the reporting of the item XXXX XXXX XXXX MICHIGAN on my credit report as neither of the parties that Transunion claims to furnish this data agrees with their statement of verification.

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 2023-07-11
Company: CAINE & WEINER COMPANY, 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:
This is my second attempt in trying to get this inaccurate information removed from my credit. It was removed in XXXX of 2023 then it was placed back on my credit, which is illegal. Ive never done business with Caine & Weiner and they have yet to prove that Ive signed any documents or went into a legal contract with them. They are reporting an account as open on my credit and it should not be. They are claiming I owe {$430.00}, I requested documentation from Caine & Weiner stating that Ive indeed done business with them and they sent paperwork that didnt have their name anywhere on it. My first complaint was XX/XX/XXXX and they just placed it back on my credit illegally XX/XX/2023. I need this inaccurate mark removed from my credit expeditiously please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: ACIMA CREDIT, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I financed a bed with XXXX XXXX XXXX  that was damaged. they wouldnt take it back and stick me with the bill. I went back and forth with them and Acima Credit who had me DONATE it for remaining balance to be settled and not paid in full. I accepted the offer  and donated it with proof. and they are still coming at me in my credit report with XXXX   and making outstanding balances several times which dropped my score to THE 400s very poor which now effects my livelyhood and finances of buying my house. The problem is they lied over the phone. why would I donate my bed frame foot board and head board and pillows if they were not going to settle the payment and destroy my credit. now they want me to pay for something i donated. i have proof attatched and XXXX XXXX contacted them and they accepted this settlement as long as they had a tax ID number. imagine that.. they win double. tax cut, and a sale that was only good for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: IN
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 accordance with the Fair Credit Reporting act XXXX 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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 accordance with the Fair Credit Reporting act XXXX 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 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 2023-07-11
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
When checking my credit report I noticed I had a collections debt that was not mine in the amount of {$1100.00}, the original creditor is XXXX XXXX XXXX  and the creditor that is reporting to collections is Sequim Asset Solutions.The account was opened XX/XX/XXXX XXXX XXXX which is puzzling because I had my credit frozen for almost a year as of today and XXXX XXXX  still approved someone with services in my name and information. I have reached out to XXXX XXXX  and they were no help so I went ahead and filed a dispute with all credit bureas. This debt is not mine along with the address that was linked to this debt. Please help and Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: NV
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 explanation
Consumer complaint received 2021-02-10
Company: Santander Consumer USA Holdings Inc.
State: GA
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:
My name is XXXX XXXX and I am submitting this complaint on behave of myself. This is not a third party company. Date XX/XX/2020 XXXX Account # XXXX Dear Sir or Madam ; I disputed the referenced accounts above on XX/XX/2020. The credit report of XX/XX/2020 and your report # XXXX shows these items were deleted from my credit file. Now these items have been reinserted on my credit report. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. *Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. *If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: EQUIFAX, 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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$450.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Fay Servicing, LLC
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Violations of : TILA ; FDCPA ; RESPA ; FTC ; Illegal Deed in Trust Filed over 13 months ; Failed To Accept Right To Cancel dated XX/XX/XXXX ; Decptive Practices ; Foreclosing on Time-Barred Debt ; Filed Certificate and Affidavit of Satisfaction Deed / Note XX/XX/XXXX ; Failed to Validate per attached QWR / Error Resolution Notice Under 12 C.F.R. 1024.35.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: SYNCHRONY FINANCIAL
State: NH
Product: Credit 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:
On my XX/XX/ statement from CareCredit I noticed a {$140.00} charge that was posted XX/XX/XXXX. I knew this was from a subscription I had signed up with while I was working for my previous employer. 

I contacted the company, XXXX, shortly after and let them know I could no longer access that account and needed help cancelling the subscription. I got a case number at the time and waited. I didn't hear back so I reached out again. I got another case number and nothing. At this point I reached out to CareCredit to dispute the charge. 

I spoke with CareCredit in the middle of XXXX, and then at the end of XXXX I saw I had been refunded the total so I assumed all had been taken care of. Then, on XX/XX/XXXX I saw that the charge was there again. 

I was hoping it was a mistake, but it wasn't. I called CareCredit again last week, XX/XX/XXXX to figure out what had happened. They said that XXXX had denied the request and that I was in fact being charged. I explained the situation again, that I can't access that account to do anything about this, and they have opened another case with 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 monetary relief
Consumer complaint received 2023-04-21
Company: MoneyLion Inc.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MoneyLion is a financial technology company, XXXX XXXX XXXX XXXX XXXX XXXX, Member FDIC. 


I HAVE A ISSUE MONEY LION SAID THEY FOUND NO ERRORS LIKE OF COURSE MY BANK WOULDNT SEE WHATS WRONG I WENT ON XXXX XXXX TO REQUEST A HOTEL FOR ME AND MY WIFE HONEYMOON BUT WHEN I GOT THE HOTEL THEY ASK ME FOR MY ID WHICH I FORGOT AT HOME THEY TOLD ME I COULD COME BACK WITH THE ID AND CHECK IN AND I TOLD NO THX I WANT A REFUND THEY SAID DUE TO THEIR POILCY THEY CANT ISSUE A REFUND EVEN THOE I HAVENT CHECKED WHICH I USE XXXX XXXX SO I COULD CANCEL MY Reservation. AT ANYTIME SO I CONTACTED CUSTOMER SUPPORT TO WHICH EVEN THOE I HAVE THE CANCELLATION FOR REFUND FOR ANY REASON THEY COULDNT ISSUE A REFUND ANF THE HOTEL TOLD ME I HAVE TO TALK TO THE BANK FOR A REFUND SO I SUBMITTED A DISPUTE SENSE I DIDNT GET MY MONEY BACK AND WAS LIED TO AND DIDNT GET MY HOTEL ROOM AT ALL I WAITED 3 MONTHS FOR THE DISPUTE TO BE COMPLETED TO GET MY MONEY BACK BUT TO MY SUPRISE MY BANK WHICH IS MONEYLION DECIDED DENY MY DISPUTE SAYING NO ERROR HAS OCCURRED IMAGINE IF YOU WERE IN MY SITUATION AND YOU LOSS EVERYTHING TO YOU WOULD BE XXXX XXXX TO I SAVE UP THAT MONEY FOR ME AND MY WIFE HOTEL FOR THE HONEYMOON AFTER THE WEDDING WE HAD TO WHERE WE WERE LIED TO BY XXXX XXXX REJECTED A ROOM SENSE WE DIDNT HAVE A ID and FOR MY BANK TO REJECT MY REFUND REQUEST LIKE HOW IS THIS EVEN OKAY AT ALL IF YALL EVEN HAVE A HEART YOU WOULD APPROVE MY request i WORKED HARD FOR MONEY LIVING PAYCHECK TO PAYCHECK ONLY WORKING FOR A FEW HOURS TO MAKE A LIVING AND STUFF ITS NOT FAIR THAT THE HOTEL GOT TO KEEP MY DEPOSIT AND XXXX XXXX LYING THEY NEVER TOLD ME ANYTHING ABOUT WHEN THE TIME REACH XXXX the cancel for any reason is no longer available they had me on long waiting time to reach customer support 5 hours and came up with Alot XXXX  excuse and my bank refuses to see anything wrong I want my bank to issue me my dispute of {$110.00} back to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying to freeze my credit with Experian. I had absolutely no problems doing this with XXXX and XXXX. Every time I try to do this with Experian, I fill in my application, and then it asks me credit reporting questions. I know I'm answering them correctly yet each time it tells me that it can't honor my request. This always happens as well when I try to access my yearly free credit report. 

It seems to me they are making sure to reject any request and I shouldn't have to jump through this hoop just to protect my credit and identity. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN ENTRY IDENTIFIED AS U.S. BANKRUPTCY CHAPTER XXXX THAT IS REPORTING ON MY CREDIT FILE. THIS INFORMATION IS INACCURATE AND SHOULD BE DELETED FROM MY CREDIT REPORT IMMEDIATELY. I WOULD REALLY APPRECIATE YOUR ASSISTANCE IN RESOLVING THIS MATTER BECAUSE IT IS CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT.

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