BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-24
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account with XXXX that was closed in XX/XX/2019 because the service didn't work. I returned all equipment that I could return and then COVID took place so the bill for the service was left outstanding. Recently, I spoke to IC System who sent a letter and disputed the amount owed and advised that they need to verify the debt. A few days later they placed the debt on my credit report. I paid the amount owed for service which was {$330.00} and they are refusing to update the balance they are reporting on my credit report of {$770.00}. I called and spoke to XXXX XXXX at XXXX XXXX est, who stated they will not update the credit report or remove the collection until the balance is paid or I settle for an additional {$160.00}. I also asked him to verify the debit and look into the dispute I placed about not owing the full balance they are reporting. XXXX said they are not going to make any changes or updates until I process payment for more money even if I don't owe the balance. When I asked to speak to a manager he was refusing to place one on the phone until I said I will take legal action against them. He then transferred me to XXXX XXXX who was extremely disrespectful because I corrected him on how to pronounce my name correctly and because I asked him the name of the previous representative. XXXX then stated that he was not going to talk to me and proceeded to disconnect the call before I could state my case. They are illegally trying to collect on a debt that is not owed, reporting incorrect information to the credit bureaus, and I do not owe IC Systems any money as I have never signed any agreement with them so they should not be reporting anything to my credit reports.

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 2023-06-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/23 I inquired the scammer about a rental apartment unit they advertised on XXXX. The following day, XX/XX/23, they requested a {$75.00} application fee be sent via XXXX in order to process my submission. After they approved the application, they requested {$1000.00} sent via XXXX as a down payment. We agreed on me sending {$500.00} first, then the remaining {$500.00} after I received the keys and legal documents for the rental unit. They sent pictures of their alleged photo ID to " verify '' their identity and authenticity. However, after I sent the {$500.00}, they insisted on me sending the additional {$500.00} via XXXX before any further action. At this point, I tried reversing the transaction, as they repeatedly stated that all payments made were refundable. They refused to send my money back unless I sent them an additional {$100.00} via XXXX. They claimed their bank would not allow them to send the money unless I was in their transaction history, thus the {$100.00} XXXX request. I did not send any additional money and filed complaints and disputes with my bank, J.P. Morgan Chase, the FTC, New York 's Attorney General 's office, and XXXX on XX/XX/23. None of the aforementioned parties have contacted me since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom May Concern These addresses does not belong to me listed below can you please remove Im disputing now please understand you are now being put on notice that this addresses listed below are not mine The following address listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice.You have aided this fraud by not verfiying these addresses Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There may be individuals with a name the same as or similar to mine. Creditors may Have entered My name incorrectly when requesting my credit report. 
Regardless, There are forms of my name and address that should not appear in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: EQUIFAX, INC.
State: LA
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:
XXXX is reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX which is not my address and never was a family was occupying that address and stole my identity. I reported it to XXXX credit bureau with no resolve. Equifax information services, LLC is reporting XXXX XXXX XXXX XXXX, LA XXXX and XXXX is reporting XXXX XXXX XXXX XXXX, la XXXX, XXXX XXXX XXXX XXXX, la XXXX and I never lived there it was also apart of my identity theft case. 


XXXX has my name known as XXXX XXXX which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have 3 accounts through Synchrony Bank ( Care Credit, American Eagle, and Ashley Furniture ), plus, much to my dissatisfaction, they run Venmo. I was charged a late fee after not being able to access my accounts. I called and resolved it through customer service, but that, in and of itself, was a hassle. I explained to the representative that the website was down for months. I can technically log in with my credentials, but all that pops up after the login is an error page saying the site is experiencing technical difficulties. This has been going on for months now. I cant access my profile information to update my address or email, and I cant see my available credit lines or balances. 
I wrote a complaint on XXXX website in XXXX and someone from Synchrony said they would be in touch. Its XXXX and no one has reached out. Their site is still down. If they had a physical location, I would have already gone, but thats the disadvantage everything has to be handled through a phone call that takes entirely too long. Wait time is awful, and you can tell the representatives are feeling just as burnt out.

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 2022-06-11
Company: Experian Information Solutions 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 status incorrect

Complaint:
Due to title 15 usc 1605 when i got approved for the finance charge i put down XXXX $ and that wasn't even needed. According to the law the car is paid off the moment i get accepted due to " FINANCE CHARGE '' law so i DEMAND this debt gets off my credit 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 2019-03-22
Company: HW Holding, 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: Account information incorrect

Complaint:
The collector continues to update/change the amount due on the accounts to both XXXX and XXXX back and forth from XXXX to XXXX and then back to XXXX.. so on. I have not made an payment and this continues to hurt my credit score as if I am missing a payment and making a payment when actually the collector is changing the amount owed every month illegally. Please remove Hunter Warfield from all credit reports.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: WY
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: EQUIFAX, INC.
State: NJ
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
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: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting the incorrect balance to the three ( 3 ) major credit bureaus ( XXXX, XXXX and TransUnion ) and the account is paid in full.

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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 and Transunion completely disregarded the document that I uploaded as proof that clearly shows we made every payment every two weeks since we attained the loan. we have never been 30 or 60 days late. bank statement CLEARY shows this and the refused to address the 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 2023-05-29
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
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 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 2023-11-19
Company: Velocity Portfolio Group
State: NC
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:
Checks prime investments is a debt collection service. How did this company open a trade line in consumers name. This is called fraudulent activity! 

If this was a collection it is to be reported as a collection. You can not open a trade line in a consumers name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have attempted to dispute this charged off account with this creditor Synchrony Bank/Care Credit for several months. Which is my rights under the Fair Credit Report Act. I have submitted several dispute letters and this creditor has not responded to neither. I received a payment deferrment accomodation under the C.A.R.E.S. Act in XX/XX/2020. However, this information is not reflected on my credit report. Nor have they informed the credit bureaus I am disputing so the account can be marked as disputed by consumer. I have disputed the inaccuracy of information on my credit report and validation of the debt to no avail. Several months ago this account was assigned to a collection law firm XXXX XXXX. However, the collections law firm agreed to return this collection account back to Synchrony Bank. 

I have attempted on several occasions to discuss this account directly with Synchrony/Care Credit. However, Sychrony refuses to speak with me about the status of my disputes or my account. Synchrony continue to instruct me to contact XXXX to discuss status. Despite the account should not be assigned to 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 2023-09-20
Company: EQUIFAX, INC.
State: FL
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:
Under the Fair Credit Reporting Act, XXXX  Account XXXX for XXXX 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 also states that a consumer reporting agency can only furnish an account with my written instructions.

I have enclosed copies of the letters I sent to the credit agencies, the credit agencies ' responses, a full copy of my credit report, and the discrepancies that the different credit agencies show on the Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
Company: WELLS FARGO & COMPANY
State: CA
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:
Status : Answered XX/XX/XXXX THE SALEMAN SOLD ME A CAR I DIDN'T WANT I CAME TO BUY A XXXX XXXX ON A GUARNTEE OF 3 DAY CANCELATION IF I WAS'NT HAPPY AND IS WHY I AGREED TO BUY AND IT WAS XXXX BELOW ******** A XXXX   XXXX I CAME TO PUT XXXX DOWN THEY TALK ME INTO XXXX ... UPON SIGINING ***** IS DOING THE CONTRACT ..THAT IS STACKED WITH A DISCLOSER TO DECLINE THE 3 DAY CANCELATION WITH OUT SAYING ANYTHING ABOUT THIS IS TO DECLINE THE 3 DAY CANCELATION THEY GUARNTEE AND WAS THE REASON I PURCHAED THE CAR AND THE SELLING POINT FROM SALESMAN THIS WOMAN IS TRAINED BY MANAGMENT TO DO THIS AS SHE TELLS HER LIFE STORY AND SAYS INITIAL AND SIGN PAPERS AND COMMITS FRAUD FOR THE OWNER WHEN SIGINING I HAVE TO TRANSFER XXXX TO MY CHECKING FROM SAVINGS I FIND THIS OUT AFTER CHECKING MY BANK ACCOUNT TO FIND OUT THAT SHE TOOK XXXX AND MY OVERDRAFT COVERED IT ... I DROVE THE CAR BACK TO RETURN AND THEY WERE VERY RUDE AND UNPROFESSIONAL WENT RIGHT TO THE PAGE I HAD NO KNOWLEDGE OF SIGINNING AND TOLD ME GET OUT WELLS FARGO PROVISIONED THE XXXX TO MY ACCOUNT AFTER I RETURNED THE CAR AND BOUGHT A XXXX THE NEXT DAY AND EVERYTHING WAS CORRECT THEN I SEE XXXX MISSING ON XX/XX/XXXX I WENT INTO BANK BRANCH TALKED TO MANAGER AND HE SAID THAT THE DEALERSHIP WOULDNT GIVE THEM THE XXXXSO THEY TOOK THE XXXX BACK PLEASE HELP ... 
THANK YOU, XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX Response XX/XX/XXXX *** ****** purchased a pre-owned vehicle from us. He signed a contract and all other legal documents. He purchased the car and drove it home. At some point he had buyers remorse and decided he did not want the car anymore. 

*** ****** did not purchase the recision agreement. In fact he declined it on the contract. You cant just return a car because you dont want it anymore after taking home. We are sorry ** ****** is upset and would be more then willing to help him trade it in for something else he wants.

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 2023-09-20
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Also one of the credit bureaus deleted said the account was deleted then reappeared on my credit.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-01-06
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My account was being closed by Chase because they site " continuing business with me creates repetitional risk '' A letter detailing this was mailed XX/XX/XXXX. Since then I have contacted Chase and all they say is that they don't have exact information regarding this and to contact the executive offices via FAX.

The account is due to close XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Chime Financial Inc
State: CA
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:
On XX/XX/2023, I was trying to pay my phone bill at XXXX XXXX but the transaction declined. In result my {$50.00} was taking out of my bank but the transaction still decline. I have not received my deposit refund from my bank- Chime The XXXX XXXX XXXX XXXX XXXX or nor have I received my refund deposit back into my bank account from XXXXt XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: A.R.M. Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A.R.M. Solutions is trying to collect a debt of {$100.00} for XXXX XXXX XXXX from XX/XX/2022. 

I spoke with an ARM representative multiple times & told them that I did not agree to this service and it was preformed when we were selling our home. Apparently XXXX auto-renewed our plan with them and sent someone out without our consent, performing treatment while we were not home. I told both XXXX & ARM that if they could provide me with documentation of my agreement to this service, I would pay the bill. I have not received any response. 

I called both companies today to make sure this was resolved. Each company told me they could not help me and that I would have to call the other company.

Company response to consumer: Closed with explanation