BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-15
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I placed an order online with XXXX using my XXXX card. The card was declined. I opened online chat session with XXXXSynchrony and asked what was going on and was told that my account was closed. I had never received any notification that my account was being closed. I asked why ... and who closed the account. I was told XXXX/Synchrony closed the card. They told me that they made a " business decision '' to close my card due to my XXXX credit report. I have had this card for about 4 years. When I received the card I had about {$1700.00} limit, never charged the card to the limit, they then lowered the limit again and again with no reason as ALL payments were being made on time ( except maybe 2 were a day or two late ). Eventually they lowered the limit to {$170.00}. Always paid on time, never the minimum payment, and the account had a -XXXX-  balance. They just up and closed the account from what I can see from my credit report in XX/XX/XXXX. By them closing the account XXXX/Synchrony drove down my credit rating for NO reason to them. I might be able to understand their decision if my account had been in arrears, but that is/was not the case. They have caused my credit rating to fall 40 points and it also looks very bad on my report that the " creditor '' closed the account. From what I can see online I am not the only person who has had this same problem with them. It seems to be a pattern with many other former customers. All whom have said they will never purchase anything from XXXX again!!

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 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with fair credit reporting act accountXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX late payments has violated myrights 15 USC 1681 SECTION 602 A states i have the right to privacy.

15 USC 1681 SECTION 604 a states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B A CREDITOR MAY NOT TREAT A PAYMENTON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY REASON

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 2023-11-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Subject : Credit Report Dispute Dear Sir/Madam , I am writing to dispute the information in my credit report, file number [ insert your file number here ]. I believe there are inaccuracies that need immediate attention and correction. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report ( 15 U.S.C. 1681 ), which is the basis for my dispute. The specific sections of the FCRA that I believe are related to my dispute are as follows : 1. Section 604 ( a ) ( 2 ) A consumer reporting agency may furnish a consumer report under specific circumstances only. I believe that the report regarding my late payments was furnished without due diligence or without appropriate permissions. 

2. Section 623 ( a ) ( 5 ) A furnisher of information to consumer reporting agencies must accurately report the date of delinquency on an account. If there is an error regarding the date of my alleged late payments, it should be corrected.

3. 15 USCS 1666b This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless appropriate notice has been given to the consumer. I believe that this provision is relevant to my dispute.

The late payments listed on my credit report from [ creditor 's name ] are erroneous. I have made all necessary payments on time and have never been late. I request that these late payments be investigated and removed from my credit report. 

Please provide me with a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. 

I understand that you are required by law to investigate and respond to my dispute within 30 days of receipt of this letter. I am keeping a copy of this letter for my records and expect to receive your prompt response. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Was informed by XXXX that the I C System account was verified and remaining on my report. I have not had any open accounts in over 11 years, and have never had an account with XXXX XXXX of any kind. This negative report has an open as of date of XX/XX/2019. This is not my account I have not open an account and more than 11 years. This account is not reported on any of my other credit reports. This account is not mine and should be removed from my credit report as false and 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 2023-11-09
Company: EQUIFAX, INC.
State: MD
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:
I am writing this dispute letter in correspondence with the Complaint ID XXXX that is still open. 

It's been almost XXXX  days and XXXX and XXXX were able to delete those inquiries that I have disputed with them. They were able to provide the resolution within a few days. I don't understand why you are making it hard for me to request to remove these inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: CBC Companies, Inc.
State: GA
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:
This is my complaint to Innovis. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than XXXX days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: EQUIFAX, INC.
State: GA
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:
This account with XXXX was paid in XXXX. Since then it has been sold to several collection agencies that have called and threatened to file a civil complaint on me even though this account is paid and I have a letter from the original creditor showing paid. XXXX has tried to contact them to stop as well. They continue to call from blocked numbers and have cause my credit score to drop 30 points

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: NV
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08
Company: CarMax, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On Friday, XXXX XXXX, XXXX ( XXXX eastern time ), I contacted Carmax Auto Finance via phone regarding a charged off vehicle which was past due. The agent I spoke to ( who was identified as XXXX XXXX advised of possible repossession as early as XXXX XX/XX/XXXX unless payment was made, cited amount I was unable to pay ( approx {$1800.00} XXXX. I questioned agent on whether the vehicle 'could ' or 'would ' go out for repo without payment on XXXX XX/XX/XXXX. Agent stated it would be assigned for repossession on that date without payment. I escalated to seek other options, but was unable to reach an arrangement. 

I made a followup call on XXXX XX/XX/XXXX XXXX XXXX XXXX  eastern time ) to continue negotiating, spoke with XXXX, who advised me that the vehicle was not, at that time, assigned for repossession. Based on this, I believe XXXX misrepresented Carmax 's intentions regarding repossession to coerce or intimidate an immediate payment from me. I escalated the call, and advised the next agent, XXXX, that I suspected a Carmax representative acted improperly in this manner ( via a UDAAP  violation ) and that I intended to follow through with regulatory action. XXXX acknowledged. 

I made a followup call on XXXX XX/XX/XXXX XXXX XXXX XXXX  eastern time ), and advised the agent I spoke to of what I believed to be a UDAAP violation. He spoke with his supervisor, and advised me that the issue needed to be in writing ( thus, refused to proceed via phone ). Based on that, I feel I made reasonable efforts to bring the issue to Carmax 's attention for investigation and resolution, and am escalating the issue via reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Friday, XX/XX/2019 I contacted XXXX and they said the account is too old to for them to collect on the account, make a settlement, or pursue legally and therefore, they unable to take do anything with the account. They said If I make a voluntary payment by mail which will renew the account making it possible for them to pursue collection through the courts. 
2nd call Friday XX/XX/2019 XXXX said the principle balance is {$460.00} ( total balance is {$770.00} ) and therefore not eligible for a 1099-C form. They would not let allow me to settle the account. They said the account is past the statute of limitations. 
Monday XX/XX/2019 The operator said that they do not know if a 1099-C will be sent to me and that even if it is the charge will not be removed from my credit. I demanded the for or removal and the operator said they do not do removals and if any payment are made it would be voluntary on my part. This would then make the account active and allow them to take me to court. I asked for a supervisor and one was not available.

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 2023-11-09
Company: EQUIFAX, INC.
State: PA
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 XXXXXXXX  I NEVER HAD LATE PAYMENTS XXXX XXXX  XXXX IS NOT MINE XXXX XXXX XXXX  XXXX  I NEVER HAD LATE PAYMENTS XXXX XXXX  XXXX  IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS NOT MINE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX ; Account Number : XXXX This account has an inaccurate reporting because the date Last Reported on XXXX is XX/XX/XXXX while on TransUnion is XX/XX/XXXX and XXXX is XX/XX/XXXX . The Date Last Active is XX/XX/XXXX on XXXX, XX/XX/XXXX on Transunion and XX/XX/XXXX on XXXX, not all these dates differ and are inaccurate. The Date reported of Last Payment is inaccurate as well XXXX says XX/XX/XXXX, Transunion is XX/XX/XXXX and XXXX is XX/XX/XXXX. As for the Date the account was opened, this information is inaccurate as well ; XXXX is XX/XX/XXXX, Transunion is XX/XX/XXXX and XXXX is XX/XX/XXXX. The creditor 's contact information is missing.

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 2021-01-08
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I purchased a XXXX XXXX with XXXX XXXX issued by TD Bank , N.A . on XX/XX/XXXX for {$3600.00}. On XX/XX/XXXX, I started having issues with the Treadmill and have continued to have similar issues to present day. I have reached out over 20 times during that period of time to XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, subsidiary of XXXX. They have either not responded or provided a response with a resolution that does not solve the issue. When I let them know the resolution does not work, they do not respond any further. It has happened multiple times and my treadmill does not work. I submitted a finance dispute in XX/XX/XXXX with the TD Bank since the purchased treadmill was not working and I was not receiving any support or service. I received one phone call and no letters or other communication during their investigation. I called TD Bank again today because they will not respond in their inquiry system online, but they do not email or call, and the wait times are well over an hour or they don't answer. When speaking with them today, they let me know they made a final determination to my dispute on XX/XX/XXXX but I have not received any communication regarding this. They said a letter was sent but have no proof of that. Their determination said that XXXX determined my internet is the problem. During the pandemic we have all been at home and working from home with internet. I have also had message conversations online and emailed XXXX as well as I am online filling this out now. I have questioned TD Bank how that was determined, and they can give me no further information, but a final decision has been made. I would like to file a bad faith complaint against XXXX and TD Bank as they are taking advantage of consumers and not providing support or service when their service or product is not working.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with fair credit reporting act accountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late payments has violated myrights 15 USC 1681 SECTION 602 A states i have the right to privacy.

15 USC 1681 SECTION 604 a states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B A CREDITOR MAY NOT TREAT A PAYMENTON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY REASON

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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX  Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/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 2019-04-01
Company: Aldous & Associates, PLLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Aldous & Associates, XXXX XXXX XXXX, XXXX, UT XXXX, XXXX - collecting on behalf of XXXX XXXX XXXX stated that they would put a debt not owed on my credit bureau if I did not pay {$130.00}. I stated that I was a member of XXXX XXXX for over 3 years and that I finally cancelled my membership in writing at the gym. 

The gentlemen at Aldous stated that I needed to " fill out the correct cancellation forms '' and I said that the contract only called for cancellation in writing, which I effectuated at the gym in person. 

The gentlemen was insistent that I had not filled out the right forms and that the debt was owed. I explained that I am a lawyer and that his understanding of the law and of the contractual provisions are mistaken. 

He was very courteous and professional in our conversation but he misunderstands the law on this matter. 

I am filing this complaint in order to discontinue the collections efforts and because I do not wish this matter to affect my credit, as he mentioned.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief