BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-31
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
his complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested. I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine. I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter? 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state? 5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature? 6. Please provide a complete account history, including any charges added to this collection agency or any account? 7. List of all names and contact information of all employees that was spoke to regarding this account or collection? You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it. For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status Regards, 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 2018-10-27
Company: EQUIFAX, INC.
State: HI
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 disputed the late payments on this XXXX XXXXXXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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:
I submitted a complaint last XX/XX/2023 and it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ). I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns because there are multiple fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent inquiries and they're still reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XXXX of 2021 Comenity bank lowered the limit on my Victorias Secret Credit card from {$450.00} to {$100.00}. They had done this numerous times before and claim that it was a reflection of changes in my credit report. Here 's how credit works... I buy something and my balance goes up. No other credit card bank lowers my limit because I used a different card to make a purchase. In fact, at the time they lowered my limit, my balance was below {$100.00} and payments had always been on time. In fact, the card up to that point had been helping my credit score. Simple fact is that this bank deliberately does this to PUNISH cardholders for not making purchases on their cards. They did the same thing with a card I held for XXXX XXXX at the same time. I requested BOTH accounts closed. The boot barn was closed as I requested. Since XX/XX/2021 I have made the request numerous times that the VS card be closed and the bank IGNORED ME and used the card to continue to punish me. Presumably for closing the other account. As of this week I recieved a message regarding this account, that I requested closed in XXXX of last year, that THEY had closed my account due to information obtained in my credit report. I CLOSED THIS ACCOUNT 8 MONTHS AGO. They left this account open without my authorization after I ORDERED it closed and continue to use it now to impact my credit score by labeling it falsely as " Closed by credit Grantor ''. These people need to be stopped ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-27
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I closed my credit card account and paid my final payment. XXXX . I forgot to stamp my check in the mail and paid online. I called the company to inform them so that by the smallest chance they did receive my unstamped check to not cash it. They said they will make sure. Then they did cash it, I called the day of and freaked out because its $ XXXX. So they told me itll be 30 days before they can refund my money? So I told them I have other bills then they said I can go to my bank and get a bank statement and itll take up to 5 days. Its been 9 days and I called this morning and now it could be another 3-5 days. I just dont know what to do at this point. Thinking about calling my lawyer because I cant afford to pay my other bills. The company is mybjsperks mastercard

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: CCS Financial Services, Inc.
State: TN
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 Print complaint OPEN Submitted STATUS Submitted to the CFPB on XX/XX/2023 PRODUCT Credit reporting or other personal consumer reports ISSUE Improper use of your report We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Credit collection services has reported on my consumer report, this violations of my fair credit reporting rights for I never received any information regarding that this being report on my consumer report. Therefore they this without my consent and Im asking that it be removed from my consumer report immediately. Under section ( 15 U.S.C. 1681 ) ATTACHMENTS XXXX ( XXXX KB ) View full complaint Sent to company STATUS Sent to company on XX/XX/2023 We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days.

Returned by company STATUS Company responded the complaint does not belong to them on XX/XX/2023 The company responded that they are not the appropriate company to address your issue. 

The CFPB will review your complaint to see if we can determine the appropriate company. We will contact you if we need more information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: TX
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 list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. states I have a right to privacy. 15 U.S.C 1681 Section 602 section 2 also states a credit reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: WELLS FARGO & COMPANY
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
They over drafted me in XXXX of 2023 of my direct deposit of over {$1500.00}, bills came off and over drafted me farther in over draft and late fees on my bills. When they fixed it and put my direct deposit back in I was still over drafted XXXX $ in late fees from my bills that came off. I argued with them and they refused to fix 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 explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: OH
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 # { Original Creditor ) 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions 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:
In XXXX of this year, XXXX  I made a payment to XXXX XXXX on one of the two credit cards I have with this creditor. I had been running late on my payments to all my creditors due to having no job for four months, however, I absolutely made sure I was never over thirty days late to not accrue a negative late mark on my credit report as my credit is especially important to me. In trying to make this payment to this account before the thirty days were up, I clicked on it in my client portal but when the payment page is displayed, the account one is attempting to pay on does not show anymore as it reverts to the first credit card account automatically if a client has multiple accounts. So, if one is not familiar with this creditor 's client portal then multiple payments can be made to the account the portal automatically reverts to as happened to me on this one month, without being made aware. So, I made two payments on one credit card and none on the one I needed to make the payment on. This is, in my humble opinion, a client portal glitch. The honest attempt to pay on this credit card before the thirty days were up was made by me. I even spoke with a XXXX for this creditor in attempting to get this negative mark for XXXX reversed to " current '' and even he acknowledged that this glitch was real and detrimental to the consumer after he himself experienced this company error on his own computer while speaking with me. My credit means a lot to me, and I would surely appreciate your immediate attention to this crucial matter, thank you so much!

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 2022-04-22
Company: Experian Information Solutions Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with " XXXX '' and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 

Account Bal. {$8500.00} Account # 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 2021-05-28
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I previously filed a complaint on Santander Consumer USA for not complying with FCRA regulation in regards to reporting to credit reporting agencies they maintain under my SSN. Although they have provided insufficient information through CFPB, they have failed to respond to additional information I have requested via Certified Mail such as : - Not applying payments to the original amount financed - Incorrectly reporting the terms of the loan agreement to credit reporting agencies - Refusing to change my address on file - Not responding to my request for information in regards to the repossessed automobile I financed with them as per the State of California and UCC 9.506 as well as State RISA and MVISA statutes, as stated : " a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemptions and cure time limits were adhered to. '' I have allowed them plenty of time to respond to my letter certified mail to them on XX/XX/2020 considering the difficulty they may have faced because of the current Pandemic situation, however, I have not received any updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This account is in good standing and is not being reported on any of my credit reports. 

XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX XXXX a natural person and consumer, have been a victim of Identity theft. XXXX XXXX, Equifax, and XXXX have stolen my Identity and furnished numerous accounts on my consumer report without my written instructions. These companies have Defamed my CHARACTER also caused me and family financial damage. 

Please delete these accounts IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with " XXXX '' and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP!

Account Bal. {$8500.00} Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I completed work for a client. They asked to billed through Paypal. I have not used Paypal billing in the past. 

I am a XXXX XXXX out of Texas. I invoiced the client and they paid the same day. The total was two transactions for {$220.00} each. After Paypal fees the total due to me was {$430.00}. 

Then Paypal did something that has to be stopped, because it is a crime. They placed my funds ALL on hold. Then created a process essentially where I had to beg them permission to receive my funds. After begging they then preceded to tell me : congratulations you will receive your funds on XX/XX/2022. This is after I broke down and actually begged them to please allow me to have my money. 

There is something broken about our system. The CFPB was created to protect us from crimes like this. 

Paypal is illegally holding people 's money, and I guarantee you they are collecting interest on these grouped funds. Who does Paypal think they are? Why do they feel they can just do something like this? 

My client 's funds cleared on XX/XX/2022. Paypal will give me my money on XX/XX/2022. If I would not have begged Paypal for special processing they would have held it indefinitely. 

This is sickening, wrong, and it is illegal. How many people are they doing this to?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
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: Account information incorrect

Complaint:
This account was paid in full three years ago. Still reporting on my credit. Collection agency told me they would remove it completely from my report.

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 2020-11-25
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:
Good afternoon, My name is XXXX XXXX XXXX and I am writing to complain on TransUnion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXXXXXX XXXX,2020 XXXX XXXX,2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY 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 2022-12-06
Company: EQUIFAX, INC.
State: TN
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:
There is a bankruptcy reporting on my credit report from the state court of Tennessee. This account does not belong to me. I have sent several letters to the credit bureaus to fix this error. On my first attempt I received a letter stating that error was verified. I ask the bureaus to send me how they verified the bankruptcy and they did not send me a proper response. I sent a letter to the courthouse regarding the bankruptcy to explain how they are actually verifying a bankruptcy that does not belong to me. They sent me a letter stating that they do not verify bankruptcies nor have then been in contact with the credit bureaus. I then sent the correspondence I received to the credit bureaus 3 separate times and have not received a response. I am writing your office today in hopes that you can help me to correct this error.

Company response to consumer: Closed with explanation