BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm asking the removal of these bogus items from my credit report as a result of claimed identity theft and I want to let the credit bureaus know that I was a victim of identity theft. FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) requires CREDIT BUREAUS to REMOVE any items specified in Identity Theft. THE LIST OF ITEMS THAT I WANTED TO REMOVE IS HERE AGAIN! 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXXXXXX Balance : {$3100.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3800.00} ; XXXX XXXXXXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have a collection for my daughter that I am actually trying to pay. I got in touch with someone once and was told that I needed to talk to someone else and was hung up on. Nobody answers either phone numbers that I am trying to call and this is affecting my credit score. I have been habitually trying for a month to get an account number or something. Even in their XXXX reviews people are complaining of the same problem. Ive called the number XXXX and XXXX Horrible company that can answer the phone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I noticed on my credit report that my Lowe 's credit card was closed. I called Lowe 's customer service to inquire on why was the account closed and who closed the account? I was informed by the customer service agent that the account was closed on XX/XX/XXXX, due to an increased credit history. I didn't understand why the account was closed due to a {$0.00} balance with Lowe 's and never being late with any Lowe 's credit card payment. All balances were paid within 30 days.The closing of the account was reported to two credit reporting agencies before I was notified. There is no mention in the Lowe 's Consumers Credit Financing information enclosed with my credit card, or billing statements that I would be judged during the holiday season on other high credit card balances. The closing of the Lowe 's credit card decreased my credit score. I was informed by the agent that I will be receiving a letter in the mail.

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 2023-12-06
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute the accuracy of my credit report, specifically regarding late payment accounts that do not reflect the updated payment information and contain inaccuracies. Upon reviewing my credit report, I have identified discrepancies that require your attention and correction. 
Account Information : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have consistently made timely payments for the aforementioned accounts, and there is a discrepancy between my payment records and the information reported on my credit report. The current report inaccurately reflects late payments during the specified months, which is not in line with my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: EQUIFAX, INC.
State: PA
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 am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31
Company: SYNCHRONY FINANCIAL
State: KS
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On multiple occasions, including XX/XX/2023, I have attempted to contact Synchrony Bank/Amazon about the inaccessibility to my account because of their refusal to use my hearing Assist phone number for the two-step authentication. Synchrony Bank XXXX has continuously blocked my access to update payment methods or make a payment because they demand a live phone call. Due to being XXXXXXXX, I do not talk on the phone.

Synchrony Bank Amazon has now been reporting my payments as LATE but refuse to allow me access to my account in order to make a payment. 

Their ID verification system errors out each and every single time I attempt to use it, claiming it can not upload my ID. 

They continue to demand a live phone call with me to verify my identity and refuse to make any form of accommodation to update my contact information to a phone number that can receive text messages. The phone number i originally provided functioned with their system but they have since blocked it and now refuse to allow the only number I have to be used for the electronic automatic two-step authentication. 

Synchrony Bank XXXX is discriminating against me and causing severe irreparable damage to my name and credit report by demanding a live phone call for identity verification, even though they know I am XXXX. Even with active chat with an agent attempting to address the issue, she attempted to CALL ME XXXX knowing I am XXXX  and unable to talk on the phone. When I didn't answer the phone call, she also disconnected the chat and refused to assist 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 non-monetary relief
Consumer complaint received 2023-01-20
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX payments in full to Comenity Capital Bank BJs credit card made from my bank through bill pay have been received on time but XXXX of {$1200.00} on XXXX  was applied XXXX days late. The other payment of {$1200.00} on XX/XX/ was received, cashed but never applied. These have resulted in continued monthly late fees and interest. I have attempted to resolve the issue with multiple phone calls. They were extremely unhelpful and actually asked for another payment. Then a dispute was started in the message system of Comenity Bank on XX/XX/. They have continued to charge late fees and interest even though they said they would not during the dispute. Further, a letter was sent to XXXX XXXX XXXX XXXX XXXX XXXX outlining everything again. Attachments of bank payment details were provided. I have only received XXXX form letters advising me it was under investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-14
Company: Experian Information Solutions 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:
EXPERIAN IS REPORTING INACCURATE/INVALID INFORMATION ON MY CREDIT REPORT. I HAVE BROUGHT THIS TO THEIR ATTENTION REQUESTING IMMEDIATE REMOVAL IF INACCURATE INFORMATION FROM MY CREDIT REPORT BUT HAVE NOT REMOVED THE INFORMATION AND/OR ACCOUNTS

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 2023-06-13
Company: Collection Service of Nevada
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I want to make it very clear that I am complaining that this company falsely reported the wrong origination of debt date - not the wrong amount of the debt. That option was not offered to me and I felt that this was the closet one. 

Sierra Outsourcing Solutions ( Collection Service of Nevada ) has falsely represented to the credit reporting agencies that a debt in their possession originated in XX/XX/XXXX. I requested back-up records for balance from them and was provided with an invoice proving the debt originated in XX/XX/XXXX. They have no records of a debt from XXXX. Per Nevada law, this item is past the statute of limitations and should not be on my credit record.

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 2023-02-02
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for, and received, an American Express Platinum Delta SkyMiles card on XX/XX/XXXX. AmEx advertised XXXX bonus miles for applying, with an additional XXXX bonus miles for meeting certain spending amounts in the first 3 months. 

When I applied online, a note came up that said I was not eligible for the bonus programs, but I was given an opportunity at that time to ask for reconsideration. The message I received back was I would be awarded the bonus miles if I successfully completed an approved application. I then signed up for the card, including the {$250.00} annual fee. 

I was told by and AmEx representative via the Chat application on XX/XX/XXXX that I was eligible for the XXXX and XXXX bonus miles award that was offered when I applied for the Platinum AmEx card. I checked in several times since then and was told that the award would be placed in my account in the next several months. 
Unfortunately, when I checked on status of award miles on XX/XX/XXXX, I was told the welcome offer was declined and I would receive no Delta SkyMiles. It is basically a case of being told one thing to get me to sign up for an expensive card and AmEx not delivering on its offer. 

I had several web chats and calls with AmEx regarding this, as well as writing two letters ( XX/XX/XXXX and XX/XX/XXXX ) to resolve this issue. I did a final web chat on XX/XX/XXXX to again request the bonus miles. They said I was ineligible and not only refused to award the bonus miles, but also to refund the {$250.00} annual fee that I suggested would be acceptable resolution for me. 

AmEx said they clearly stated I was ineligible when I applied. I very much dispute this- I understood during the application process that they would award the miles and that is the only reason I would have spent {$250.00} in annual fees for a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: SC
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account number XXXXAccount name : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 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 2019-12-31
Company: WELLS FARGO & COMPANY
State: FL
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:
The complaint that Wells Fargo closed on XX/XX/XXXX as being duplicate is actually a new complaint. As a follow-up to complaint # XXXX, Wells Fargo mandated closure of our personal checking account ending in XXXX and opened a new personal checking account ending in # XXXX. This account was opened two weeks before this event ( payment of a counterfeit check ). We had not written any checks on the # XXXX account nor had we shared the account number with anyone. A counterfeit check was negotiated by Wells Fargo that overdrew the account. The check was an OBVIOUS FRAUD, yet Wells Fargo paid on it -- causing the account to be overdrawn. 

I expect Wells Fargo to provide written answers to the following questions : 1. The XXXX ( counterfeit ) check was written on a Wells Fargo Commercial ( misspelled " Commerical ' ) Disbursement Account, our account is a personal checking account. Why was the check negotiated? 

2. The name printed on the check is XXXX XXXX XXXX in XXXX, FL. This is not the information printed on our checks. Why was the check negotiated? 

3. The check number is XXXX. Our account had just been opened and the checks issued started with # XXXX, Why was the check negotiated? 

4. The signature is neither mine nor my wife 's, nor was there an attempt to mimic either of our names. The name of the person who signed the check is not an authorized signer on our account. Why was the check negotiated? 

5. The check overdrew the account by {$460.00} -- we have never overdrawn our account. Why was the check negotiated? 

6. Wells Fargo did not detect the fraud and stop it. On Saturday, XX/XX/XXXX, I got an email that the account was overdrawn. We were charged a {$35.00} overdraft fee which I got reversed when I closed the account. How could Wells Fargo miss this obvious fraud and assume we overdrew the account? 

There were a number of " red flags '' that Wells Fargo missed that should have caused them to reject this check? Since we have not issued any checks on this account and have not provided the account number to anyone, the investigation needs to focus on Wells Fargo and the company that prints the checks. I have already provided a copy of the letter dated XX/XX/XXXX from Wells Fargo Phone Bank which discloses our full account number and a form from Wells Fargo that discloses our complete Social Security numbers. A police report has been filed and I will provide a copy when I get 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 2023-11-23
Company: EQUIFAX, INC.
State: AZ
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:
In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states that I have a 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.

15 U.S.C. 166b 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 reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
about 2 months ago i received a copy of my credit report and noticed several accounts that are listed on my report that i never apply for and never used and never received any benefit from. i disputed these accounts and refused to removed them all these accounts are the result of identify theft XXXX XXXXXXXX, {$9500.00}, ( XXXX ) XXXX, XXXX XXXXXXXX XXXX, {$840.00}, ( XXXX ) XXXX, XXXX  XXXX XXXX, {$1100.00}, ( XXXX XXXX XXXX, XXXX XXXX, {$5000.00}, ( XXXX ) XXXX, XXXX XXXX XXXX, {$1100.00}, ( XXXX ) XXXX, XXXX XXXX, {$51000.00}, ( XXXX ) XXXX, XXXX XXXXXXXX, {$1500.00}, ( XXXX ) XXXX, XXXX  XXXX XXXX, {$910.00}, ( XXXX ) XXXX, XXXX XXXX XXXX, {$490.00}, ( XXXX ) XXXX, XXXX XXXX  XXXX, {$420.00}, ( 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 2023-07-14
Company: Experian Information Solutions Inc.
State: FL
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/ Please remove it from 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 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Delete immediately XXXX XXXX  has yet to pay INVOICEConsumer Financial Protection Bureau complaints filed by me on XX/XX/XXXX ( case number XXXX ) and XX/XX/XXXX ( case number XXXX ). XXXX still has not shown me a receipt of payment For XX/XX/XXXX XXXX.Do not use the EOSCAR system .. XXXX Account payment history is inaccurate and is a reason to DELETE the entire account off of my credit report. attached is PROOF that it is inaccurate. the inaccuracies are HARMING me. I have disputed this multiple times XXXX, Transunion and XXXX still can not prove the alleged payment in XXXX of XXXX, and XXXX of XXXX I have documented proof on The creditors ( XXXX ) letterhead stating they never received a payment in XX/XX/XXXX, yet it shows that inaccuracy on my credit report. in XXXX of XXXX I disputed inaccurate information being reported on my credit report by XXXX XXXX  I demanded for them to DELETE IMMEDIATELY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: Experian Information Solutions 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 status incorrect

Complaint:
I have reached out to all three credit bureaus, regarding inaccuracies, and discrepancies, where that each reporting agency are reporting different accounts on my consumer report on some reports they are reporting so called collections account as open. Showing the same accounts twice. This is inaccurate reporting and needs to be removed which is not under FCRA compliance. This is damaging my consumer credit file. XXXX, is showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : IS REPORTING THIS SAME ACCOUNT BANK OF XXXXEXPERIAN : IS REPORTING XXXX XXXX XXXX XXXX  ARE ALL CONNECTED WITH THE SAME COLLECTIONS AGENCY. I DID REACH TO THE COLLECTION AGENCY THEY DID INFORM ME THAT THESE ACCOUNTS WILL BE REMOVE FROM MY CONSUMER CREDIT REPORT. I HAVE THE PROOF TO SHOW 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