BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-29
Company: EQUIFAX, 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:
I sent in a request to all three credit bureaus to have incorrect and inaccurate information removed from my credit report. I sent my request certified to make sure that XXXX, Equifax and XXXX would receive it. According to the tracking information provided by USPS.com Equifax ( tracking # XXXX ) received my request on XX/XX/2020. XXXX  ( tracking # XXXX ) received it XX/XX/2020 and XXXX  ( tracking # XXXX ) received my request on XX/XX/2020. But even though it is confirmed through the postal service that my letter has been received by all three credit bureaus I have not received a response from anyone. There are medical bills, apartment collections, inquiries and other people 's names and addresses that are not mine and that are not valid but they continue to report on my credit file and impact my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: Experian Information Solutions 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:
In compliance with the submission of this complaint, I have listed the dates and so forth as instructed. On XX/XX/XXXX I paid USPS a fee of {$18.00} and sent a signed, notarized certified letter with an Identity Theft Affidavit to XXXX  and Experian regarding a fraudulent account on my credit reports. 

I received notification that XXXX and Experian received my notarized certified letter with its contents on XX/XX/XXXX. In compliance and understanding with the Fair Credit Reporting Act, Section 611, the credit bureaus have 30 days to investigate and remove, block the fraudulent account in question that is being disputed. 

On XX/XX/XXXX I paid my credit monitoring website, www.experian.com a fee of {$24.00} to refresh and review my credit reports. I became aware that the fraudulent accounts have not been removed and on XX/XX/XXXX and the accounts are STILL on my credit report causing a health risk and strain on my person. 

It is now XX/XX/XXXX and giving the credit bureaus extra time from the holiday season to process my request to remove the fraudulent accounts STILL have NOT been removed from my credit report and causing an additional health hardship on me and my family because of this. I am enlisting the Consumer Financial Protection Bureau for assistance in this ongoing issue.

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 2023-05-24
Company: Bread Financial Holdings, Inc.
State: NE
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:
On XX/XX/XXXX I locked my Commenity XXXX Visa Credit Card. On the lock setting for the card they asked if whether I would allow recurring charges to be taken out of my account. I selected " No '' on this with the clear understanding this would stop as they stated on their site any monthly subscriptions or bills. 4 recurring charges were then taken out of my account still. I called them and they said that there was nothing they could do but put in a dispute for fraud but the issue would be their site fraudulently told me that recurring charges would be blocked on subscription services. So now I am in the hands of their internal fraud team investigating fraud they themselves did.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-18
Company: Experian Information Solutions Inc.
State: NC
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:
Hello, I was totally unaware the XXXX would report this as a debt. In fact they were still billing me the monthly fee with said account as of last month. 


Fee charged this month :. 
XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$19.00} This was actually a savings loan or credit building loan with my own funds. I went to the app and my funds I put in the account are gone. 

I like XXXX but this is shady. Please remove this collection because this is not a loan. I do not owe them any money on this collection. Thank you very much for your help.

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 2022-10-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX I submitted a complaint about Experian reporting an incorrect address and I submitted my drivers license showing my address. Experian responded with this below : Thank you for submitting your dispute on XX/XX/XXXX, through the CFPB Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. You indicated that there is an address that has never belonged to you listed on the credit report. You are requesting this address information to be deleted. Note we store address information as it is sent to us by your credit grantors or from information contained in public records. One or more sources of information reported the address you questioned, and it is a part of your credit history. If you believe an address in your credit report is inaccurate, you may want to contact the source of the information directly. Please contact us by phone at XXXX XXXX XXXX XXXX if you need additional assistance to determine the specific sources of particular address information on your credit report. Feel free to upload disputes to Experian by visiting https : //www.experian.com/upload or dispute online by visiting https : //www.experian.com/disputes. For additional information related to fraud, please visit our website at : https : //www.experian.com/fraud/center.html or you may call the toll free telephone number provided on your personal credit report, obtained directly from Experian, or write to Experian at XXXX XXXX XXXX, XXXX, TX XXXX XXXX Thank you for submitting your dispute through the CFPB Portal. It is our policy to respond to consumers swiftly and to take each dispute seriously. We appreciate you letting us know about your experiences with Experian.

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 2022-12-19
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified.

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX  XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: U.S. BANCORP
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
We went to refinance our home to lower the monthly payments and here we are 4 years later and we went to get a small loan to do repairs on the house and that is when we find out that they did n't lower the payments they got XXXX involved and sold them part of the loan to our surprise. XXXX now has a lien on our home for over {$100000.00}. We trusted the bank. What a joke. Looking for a lawyer to tell us our options now. Beware of dealing with US Bank.

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 2022-04-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
1. I bought a new home and house warming ceremony is scheduled for Thursday XX/XX/2022. Friends and guests are coming. 
2. I needed some furniture before the even so I went to Ashley Furniture store in XXXX, CA on XXXX. I selected my furniture ( worth about ~ {$9000.00} ). I was informed by the salesman @ Ashley that I can benefit from 60 months installment payments by using financing from Synchrony bank if I apply for their credit 3. This suited me and I decided to apply for the financing right then and there. After filling in information about my wife and me in the joint application form, I was given an account number immediately over a phone call. 
4. For some other reason ( Ashley store related ), the purchase wasn't completed on XXXX. Hence they suggested to come again today on XXXX. I left my work and went there again to complete the transaction.

5. However, this time the bank didn't clear the transaction, asking me for more documents ( ID proof, and home address proof ).

6. This totally defeated the purpose as I can not get the furniture on time anymore. I applied for the financing knowing that it would affect my wife 's and my credit score only to get the furniture on time, but now since the bank opened my credit account they are not clearing my purchase.

7. I don't need this credit line at all except for the purpose of buying furniture on XXXX or XXXX. But now the bank is not clearing my purchase hence I feel like a stupid, whose credit score is impacted without any reason.

This is very stressful to me and my wife now and we are very unhappy with the bank 's business practice, where they opened our account immediately ( impacting credit score ), but they are blocking the transaction to go through.

Also, I spent stressful 20 mins on Synchrony 's Customer Service line, but instead of helping me logically, they just read a script and say they can not revert the credit score check if I don't need the financing ( as I can not buy the furniture ). They say it is impossible.

If they can not solve a customer 's problem then they should have a way to reverse the credit score check also.

I am stressed about it and very very frustrated with the bank 's system and looking for a right solution here.

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 2018-03-30
Company: Messerli & Kramer P.A.
State: WI
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:
Messerli and Kramer in XXXX, Minnesota are trying to sue me for a possible old debt which I do not remember. They claim it is a credit card and the bill is in my old last name, a name I haven't had since my divorce over 13 years ago.

I do not even remember this and do not even know if the amount is valid. They keep updating the date as if it is a new debt, raising the cost of it and threatening me to sue me at each new job I get. I was on XXXX XXXX due to raising XXXX kids myself and now finally off it but my take home pay is small due to health insurance. I have been a single mom these past XXXX years.

I called the company they are choosing to represent them ( Messerli and Kramer in XXXX  Minnesota a year or two ago for evidence that this is a true amount.

I don't remember borrowing or even qualifying for a XXXX XXXXredit card as my credit rating was low I stated that I need some statement to prove I actually had an account and how much I actually owed, for what. etc. They refused to provide that. They are about to try and sue me again. I have links to prove that they do illegal debt collection acts. I need help to get them to stop!

https : //www.consumerfinance.gov/policy-compliance/enforcement/actions/bank-america-fia-card-services/ http : //skibalaw.com/bank-of-america-fia-card-services-found-to-engage-in-unsound-unsafe-and-illegal-debt-collection-practices/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a letter dated XX/XX/2021 from Synchrony Bank. The letter indicated that Synchrony Bank sold my personal information to a third party debt collector. I did not consent to Synchrony Bank selling my information to a natural person or a corporation. The alleged debt is disputed. Synchrony Bank selling my personal data to anyone without my permission is identity theft.

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 2023-05-24
Company: Bread Financial Holdings, 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:
You are in direct violation of The Fair Credit Reporting Act and are in violation of my rights. ( Lane Bryant/Bread Financial ( old name Comenity ) credit card account # : XXXX ) 15 U.S.C. 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C. 1681 section 604 A.section 2, Also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 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 Please remove these late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I am writing to formally file a complaint against Comenity Capital Bank and the XXXX XXXX  XXXX. They have repeatedly made broken promises and since then have continued to add late charges on top of late charges despite having paid the bill on time and having had multiple representatives promise to waive the late fees. If they had just done what they promised there would not be an issue and this matter would have been resolved. They appear to have a systemic problem at this company of promising consumers one thing and then not following through or documenting the call properly. They also by their own admission have had representatives violate my privacy and their rules by talking with my husband. It seems to be hit and miss on when they apply that standard. Then they turn around and make numerous collections attempts. How many consumers fall into this trap and just give in and pay them. These practices need to be investigated and stopped. I urge you to have them provide you the recordings of the phone calls identified in the documentation attached to prove that they promised to waive the late charges going all the way back to XX/XX/XXXX. 

Attached is the letter and addendum that was also sent to them directly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19
Company: Capital Accounts, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received a collection debt from a company name Capital account LLC debt collector. For the amount of {$78.00} In behalf of XXXX XXXX XXXX XXXX I have never been at this clinic, I have never incurred in this debt Iam concern about this situation, and I need to straighten this up. 
Thank you for taking the time to help me clarify this issue. 
Kind regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: ALLY FINANCIAL INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Re : CFPB Nos. XXXX  and XXXX Ally Auto Account Nos. ending -XXXX  and -XXXX  For account number ending in XXXX, the account was paid on XX/XX/XXXX and then again on XX/XX/XXXX, this is supported by my bank. Ally shows no evidence of their claim of receiving it on XX/XX/XXXX and XX/XX/XXXX. No late fees were assessed and paid! ALLY 's response is an elaborate conjecture to include dates of notices sent to my official residence. I would expect notices of such importance to be sent via certified mail and therefore require a signature when received. To date, I have only received one letter to my home from ALLY. I hereby request all evidence of ALLY 's claims of dates of payments on this account. If ALLY is unable to do so, they must adjusted my account to show no late payments, and reported accordingly to the credit bureaus

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 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 needed these items removed or corrected per my request below. Each item lists the exact reason, and this information is taken directly from my credit report. These are irrefutable facts! XX/XX/XXXX didn't do anything after their investigation. My request has been looked over and I feel like I've been treated unfairly cause as a consumer I have rights and laws I have been broken XX/XX/XXXXXXXX XXXX XXXX # XXXX THIS ACCOUNT DOES NOT BELONG TO ME XX/XX/XXXX XX/XX/XXXX# XXXX THIS ACCOUNT DOES NOT BELONG TO ME XX/XX/XXXXXX/XX/XXXX# XXXX THIS ACCOUNT DOES NOT BELONG TO 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