BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
Company: RS Clark and Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted the company and they agreed that the debt would be removed from my credit report as soon as possible once I have made payment and cleared debt. I was also told I would receive a receipt confirmation by email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: NM
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29
Company: RFNA, LP
State: SC
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:
Company is reporting incorrect information stating 30 days late when its not. 

I make pay more on my loan that was asked. I did also pay two months in advance. I paid off one plane with them and did another under same terms Account Number : XXXX. 

Shortly after - Called to get due date changed due to job unemployment. Which they stated if cant make payment let us know. However, republic finance company did not and stated there is nothing they can do to Change the date. Ive consistently made extra payments which is either not being applied to the principal or the next month. 

I called manager who was rude to explain, However, he just kep stating that Ive been late.. As for proof of payment history and why wasnt extra money paid in previous months applied to next month or principal.. Also asked for lower Interest rate and they said no. Company does not want a payoff and consistently reporting incorrect information to my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: TN
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 has violated my federally protected consumers rights to privacy under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED # XXXX XXXX/DEPT OF ED # XXXX, Has violated my Rights ...... 

15 U.S.C 1681 section 602 A. States I have 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 1681c. ( a ) ( 5 ) section states : No consumer report containing any of the following items of information any other adverse item of info 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 info relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the info is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was buying a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ON XXXX XXXX, XXXX XXXX : XXXX After contacting the Salesman XXXX XXXX by phone to know the availability of the tractor We started doing the paperwork by email which was the electronic bill of sale. What I signed after paying my {$1000.00} deposit with my debit card and waited for at least 5 to 10 business days for the paperwork to be done and to process the payment. 
I was communicating with XXXX XXXX by XXXX during all paperwork ( Bill of sale ) On XXXX XX/XX/XXXX I got an email by XXXX telling me my truck is ready and they just need the remaining balance. 
They sent me all the baking info for the Wire Transfer. 
On XXXX XX/XX/XXXX at XXXX I made a transfer of {$14000.00} at the branch of PNC BANK XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX. 
The Agent in PNC asked me why the bill of sale address is different from the bank address? Finlay we decided to put the bill of sale address in the bank account address. also the transfer was about to be clear in the beneficiary account on XX/XX/XXXX The next morning I got a call from XXXX XXXX saying my truck is ready. How would I make my payment? 
5 min while fitting the confusion with XXXX XXXX, I called PNC BANK Wire Transfer department to cancel the transaction on XXXX XX/XX/XXXX XXXX. 
From XX/XX/XXXX to XX/XX/XXXX I called PNC BANK more than 7 times to know the status of my transfer. 
Finally on XX/XX/XXXX they sent me a letter saying the receiver Bank says we have to contact the beneficiary and as a PNC they can't help me to get my money back. 

PNC BANK. 
As a customer of the PNC Bank, my bank must work with me on any banking transaction while banking with them. After 19hrs of the transfer I request the transfer to get cancel and a 9 business day of the clearance of money in the beneficiary account : I do have 99 % clear to get my money back My bank didn't help me at all.

I wish Could now from A-Z how the wire transfer works or how to track it by a tracking number and knowing where it is delivered. 

XXXX XXXX XXXX XXXX, I don't see how a scam can be able to use the company 's email address without their concern. 
that is really really regretful for me as a customers ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Charged fees but I are currently being disputed I was a checking account holder for many years. According to the article I read I am entitled to {$100.00} for the year inappropriate weed charges to Wells Fargo checking account holders.

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 2023-02-23
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 information incorrect

Complaint:
Regarding XXXX account number XXXX, Report # XXXX, this account was not late in XX/XX/2016.

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 2021-10-19
Company: EQUIFAX, 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:
I didn't get a chance to reply to the other complaint because it was closed out by cfpb whenever the company respond but I'm responding one last time I have filed numerous complaints against XXXX XXXX XXXX and CLEARLY we are not on the same page I am not talking about a refund about a warranty because I have already received that {$60.00} dollar check I AM TALKING ABOUT MY CREDIT REPORT AND MY CREDIT SCORE IT WAS NOTED AS CLOSED PAID ON SOME CREDIT BUREAUS AND CLOSED. WHY IS THAT I DONT KNOW WHY.. MY CREDIT SCORE DIDN'T GO UP BESIDES DROPPED I DONT KNOW BUT WHAT I DO KNOW I HAVE CONTACTED THE VICE PRESIDENT AND PRESIDENT AND LET THEM KNOW OF THE SITUATION AND WHAT I DO KNOW I WILL SEEK LEGAL ACTION IF THIS PROBLEM IS NOT FIXED. I KNOW IF ANYYYY ACCOUNT IS PAID IN FULL YOUR CREDIT SCORE WILL REFLECT WITHIN 30 DAYS IT HAS NOW BEEN 90 AND NO ADJUSTMENT SO WHAT I WILL TELL YOU IS I HAVE CONTACTED A LAWYER AND IT WILL NOT BE NO MORE COMPLAINTS FILED AGAINST XXXX OR THE OTHER CREDIT BUREAUS THE ONLY THING YOU WILL RECEIVE IS A LETTER SEEKING LEGAL ACTION IF THIS ISSUE IS NOT FIXED. You'll HAVE LIED ABOUT FIXING THIS ISSUE numerous times and by the way all of the consumers are having issues with XXXX I think it's time for a lawsuit AND IM DONE. NO MORE TALKING JUST ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE 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: Account status incorrect

Complaint:
According to my recent credit report request from Transunion, XXXX, and XXXX and there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in XXXX  days as stated in XXXX. VIOLATIONS OF CREDITORS VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED : XXXX XXXX ACCOUNT # XXXX WAS NEVER LATE ON THIS ACCOUNT AND NOW EARLY WARNING. DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX DOES NOT BELONG TO ME. 

XXXX XXXX XXXX Account number : XXXX Account type : XXXX XXXX  Phone number ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX UNVERIFIED PLEASE REMOVE DEPT OF CHILD SUPPORT WAS NEVER LATE AND THIS IS UNVERIFIED

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 2023-04-06
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
First let me state that I my information has been compromised by XXXX Data Breach as well as XXXX Data Breach. I noticed a recent charge on my credit report initially from XXXX, dba XXXX. Per CFPB Validation Notice Letter, a precise request, following CFPB guidelines, on XXXX XX/XX/XXXX to XXXX. Per CFBP Debt collection rules and Debt collection rights ; XXXX failed to follow CFPB guidelines and comply with FCRA and FDCPA " VALIDATION '' per the letters request, within the 30-day guideline ( XXXX ). 
The company, XXXX sent a noncompliant response, dated XXXX XX/XX/XXXX providing an " enclosed account summary which provides " verification of debt, '' NOT VALIDATION ( see attached ), not in compliance with FCRA nor FDCPA. XXXX failed to VALIDATE within the 30-day deadline. In addition to violating FCRA and FDCPA, XXXX requested " contact one of their Customer Service Representative . '' A debt Validation Notice was sent via certified mail to XXXX On XXXX XX/XX/XXXX, which XXXX acknowledged receiving ( see attachment ) a copy of the letter on XXXX XX/XX/XXXX ; per certified documentation. However, XXXX in their written communication responded as XXXX XXXX XXXX & but are reporting to credit bureau as XXXX. 
It appears that this company is practicing unscrupulous monopolizing practices and is unable to decide if they are XXXX or XXXX XXXX XXXX ; either way, it is illegal to report the same debt ( double dip ) as two separate companies. It's called " monopolization '' and under FTC regulations, it is violating 9-28.000 it's illegal. As such, I've also filed a complaint with DOJ with their documentation as well regarding debt reporting as two separate companies ; i.e. sending correspondences as XXXX and reporting to credit bureau as XXXX on my credit report. 
Again, XXXX XXXX failed to comply with CFPB guidelines, FCRA nor FDCPA, Validation Notice Letter as set forth by US Congress . 
Either way, XXXX failed to comply with the 30-day regulation by failing to validate the debt ( see attached Validation Notice Letter sent ) ; as such, failure to comply requires that XXXX must immediately remove/stop negatively reporting to all 3 credit bureaus. 

Additionally, I had accounts with Synchrony Bank ( Care Credit ) & paid my debt. I also called PayPal and spoke with a representative that stated I 'did not have an account that I owed at PayPal . ' When I asked if she could send me an email confirming it ; she stated I 'did n't need one b/c I didn't owe anything. ' I know the company records their messages and can listen to the message.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-10-19
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: SCA Collections, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
SCA Collections of XXXXXXXX XXXX reported the account to the XXXX credit bureau, stating I owed {$180.00}. This amount was paid to the collections agency on XXXX, by check. I had received what appeared to be a duplicate collections notice with the same debt amount and account number. I enclosed a letter to the collections agency requesting that they verify the second letter represented an additional debt and was not a duplicate. I received no response from them until today, XX/XX/22, when the account was reported to the credit bureau, thereby damaging my credit. I believe this to be a violation of the Fair Debt Collection Practices Act, which states I have a right to written verification of any debts upon request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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 balance transfer

Complaint:
On XX/XX/2023 I applied for XXXX balance transfer requests. The first request was balance transfer from XXXX Bank in the amount of {$750.00} to XXXX XXXX XXXXe Bank. The second was for {$320.00} from XXXX XXXX to XXXXXXXX XXXX XXXX Bank. 

On XX/XX/2023 both balance transfer amounts showed up on my XXXX XXXX ( XXXX ) so I assumed both transfers were complete. 
On Friday XX/XX/2023, I received a check in the US mail that was for XXXX Bank in the amount of {$320.00} however it used my address as their place of business ( see attached check ). At yhat point I checked my balances at XXXX and XXXX which both indicated a transfer had not occurred and I still owed them the balance transfer amounts. 
I then called XXXX and spoke to a representative and explained my confusion on receiving an invalid check and my concern for being charged on my XXXX account for transfers that they had not yet paid resulting in me now owing Mercury, XXXX, and XXXX for the same charges. She understood my concerns but stated there was nothing she could do to personally fix the problem and would have to send my concerns to the fraud section. I expressed that wasn't acceptable to me and asked to speak to her supervisor. She transferred me to XXXX, employee # XXXX. I explained the scenario and she offered a resolution that was not acceptable at first. She then cancelled the balance transfer for the check amount and said that would show up on my XXXX account XXXX to 5 days which I accepted. However, I was still concerned about the other transfer.. To the poinXXXX I do not believe it is legal or ethical to charge for XXXX to bill for a transfer that has not been completed, which has happened in both XXXX and XXXX scenarios above. The credit for check has not shown up on my account to date and I still owe XXXX, XXXX and XXXX for the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
In year XXXX myself and my wife bought XXXX and doors from XXXX store located in XXXX XXXX XXXX salesman offered us special promotional Zero interest XXXX synchrony credit card. There was no disclosure that Interest will be charged after period of two years. As there was limit of XXXX per person so Salesman arranged two cards on mine and my wifes name. 

XXXX XXXX XXXX : credit card number XXXX XXXX XXXX XXXX XXXX XXXX : Credit card number XXXX XXXX XXXX XXXX We provided our bank information and monthly payment was detected from our personal Account. Two months ago, we received Monthly statement by mail and found out that Synchrony has been charging us XXXX XXXX interest since XX/XX/XXXX. We complained to Synchrony customer service multiple times but till date Synchrony is not will willing to waive such high-rate unauthorized interest and rather started charging us late fees. We did explain to Synchrony customer service that by law Synchrony was supposed to give us 45 days notice, but Synchrony does not seem to be concerned about legal implication. 
We want to make monthly payment if Synchrony credit our account for the unauthorized interest they charged us since XX/XX/XXXX. We also willing to borrow money from other sources to fully pay off entire amount if Synchrony accommodate our request. 

Thanks 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 2023-02-02
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, I woke up around XXXX with no cell reception. I had no idea what was going on. I received a text from XXXX about someone trying to change my sim card. I was unable to call or text anyone. I didnt know what was going on with my phone. At first, I thought maybe my aunt forgot to pay the phone bill. Then I received a notification since I was connected to the wifi that someone transferred all my money ( {$740.00} ) out of my Chime account and sent it to an unknown email address. They also sold/traded some of my stocks on XXXX and purchased a flight through my XXXX account XXXX The hacker had access to my apps and cellphone number ( text and phone calls ). I went to XXXX and XXXX in XXXX XXXX to try to figure out what happened to my phone. They didnt have any solid answers for me on what was wrong with my phone. XXXX kept trying to switch the sim card to see if it will work. Finally, later that night I called XXXX XXXX more time using my boyfriend phone and they locked my sim card and was able to fix my phone. 
The very next day I filed a police report. The police officer said they couldnt file a police report unless they had proof of this incident. I called XXXX to see if they had any information they can give the police officer so that he can proceed with the report. The XXXX expert confirmed that a man located in XXXX, XXXX called XXXX that day trying to switch out my SIM card. 
I have tried to contact Chime numerous times informing them of what has happened and they refuse to refund me the {$740.00} that was taken out of my account. I am extremely disappointed with the customer service and lack of assistance with this incident. I have another bank and money wasnt touched in that one, but somehow the hacker was able to get into my Chime with ease and wipe out the money I had in there. The hacker also requested {$500.00} from both my boyfriend and my aunt on that day. They know I dont ask anyone for money so they knew it wasnt me and tried to contact me.

Company response to consumer: Closed with explanation