BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
Company: Experian Information Solutions 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:
XXXX at approx XXXX ( Eastern ) : Tried to access my Experian account online. I could not get my user name/password combo to work so I called customer service. 

Automated system prompted me for reason regarding my call and wouldnt transfer me to an agent. I walked through the steps to unfreeze my report for 24 hours ( initial request ). The line then transferred me to an agent named XXXX. 

XXXX asked me for my social multiple times and I would not give it to him. I told him I would give him last 4. He put me on hold until he spoke to a manager. 

He came back on the line and took the last 4 as well as my street address etc. He asked me about the freeze again and I told him from today until Wednesday ( 48 hours ). 

He confirmed and I asked him about my online account and why I couldnt get in. He said hed walk me through security questions which I answered. He said he could not verify me but was going to add my email to the account anyway. That didnt make sense to me and I asked to speak to a manager. He said is there anything else I can help with and I said yes to speak to a manager. He said hold on and Ill connect you and then hung up on me. 

Very unsettled I called back multiple times. Finally was connected to another agent. She told me she had no record of me talking to anyone else and that a permanent release of the freeze was done online. This isnt possible as I couldnt get my user name and password to work. She also had no record of me talking with an agent. 

I instructed her to put the freeze back on permanently and she asked me if I wanted to pick a new pin or have one automatically generated and mailed to me. I asked her to mail me a system generated pin as the first agent XXXX had asked me for the pin and had that number. 

She confirmed the freeze was added back. She said she did update my email in the system. 

I tried to pull a report through XXXX XXXX XXXX and Experian gave me an error and said information has recently changed and they could not provide the report. 

I then tried to reset my information again through Experian and its telling me my phone number doesnt match the account. 

I placed a freeze to protect my credit with the bureaus and it seems Experian has an unethical employee. 

After speaking to a CFPB rep, I placed a fraud alert on my credit but I still am not able to access my Experian account or get anyone on the phone to confirm my account is safe.

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 2023-12-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Synchrony bank notified me regarding a credit card for XXXX XXXX XXXX amounting to {$960.00}, I am not aware of this credit card.

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 2021-07-28
Company: 2288984 Ontario Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX XXXX called my last employer, XXXX and told the GM I was going to be charged with electronic check fraud and they would be there to serve me immediately if I didnt pay in full. They left the number XXXX and case number XXXX. They represented themselves as a law office and provided a number as well as a case number. When I called the number they told me a debt had been turned over to them by MoneyKey and the state would be prosecuting me for fraud as well as their attorney would be suing me. They repeatedly told me I would be prosecuted and held accountable for the fraud I committed. When I asked for names and addresses they refused to provide me with additional information. I requested proof of the debt and the threats they were making or anything in writing to help eradicate the matter and was told there was nothing that could be done but pay in full. They made multiple threats to attach additional fees if I didnt pay in full immediately that same day XX/XX/XXXX. They have since then called multiple people telling them this. I havent committed any fraud I repeatedly asked for proof and to be sent of what they were saying and was told I couldnt be helped. Luckily, my last employer records all calls so I can get recordings of the call if need be. This company is violating FDCPA rules and regulations and multiple complaints have been filed against them with the XXXX. Businesses like this shouldnt be allowed to operate without penalty. I cant undue the lies they keep telling my ex coworkers and different family members they have called. I have told them repeatedly to stop calling. They refuse just as I refuse to pay a debt Im not responsible for. On XX/XX/XXXX I finally found out the name of the actual company who had been calling making the threats. MoneyKey sent an email stating my debt had been sold to XXXX XXXX XXXX XXXX on XX/XX/XXXX. This company repeatedly denies that it is them making the threats by saying its another company but no other company would have the data to quote the loan amount that remained. Not to mention the threats began not even a week after the debt was sold. This is illegal and something has to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: NY
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 right as a consumer is being violated according to " 15 usc 1681 a 2 ''. In Accordance with the Fair Credit Reporting act, Account Name : XXXX XXXX Account Number : 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 166b 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 2023-11-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am writing to follow up on the recent correspondence sent regarding the discharge of debt for my estate. The negotiable instruments sent via registered mail have been presented and tendered as a valid remittance, and it is imperative that the Indenture Trustee acknowledges and accepts these instruments in accordance with the duties and responsibilities outlined in the publicly filed SEC documents. 

The evidence I provided supports the legitimacy of the notes as valid negotiable instruments tendered to NAVIENT PRIVATE LOAN TRUST in good faith. Additionally, ownership of the notes has been established, and I, as the authorized noteholder, possess the authority to receive payments of principal and interest. 

I received an electronic response alluding to concepts such as " Redemption, '' " Strawman, '' or " Accepted for Value, '' accompanied by accusations of frivolous claims and potential fraud. I wish to clarify that my original correspondence was not associated with those notions. Instead, I am adhering to the instructions provided through public filings outlining the duties of the Indenture Trustee, with me being the noteholder. There is no fraudulent intent in my request ; rather, I am asserting my rights and equity in these assets of value as a bona fide purchaser.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I strongly request a swift update to my account since I've consistently paid on time. The present issue is causing me significant stress and concern.

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 2023-11-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently checked my consumer report and I noticed an account that does not belong to me. According to 15 USC 1681c-2 Please block any items resulting from Identity Theft. Fraudulent account XXXX XXXX XXXX XXXX XXXXXXXX ) Fraudulent inquiry XXXX XXXX  date of XXXX XX/XX/2022. 

Please block and remove this negative account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
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: Old information reappears or never goes away

Complaint:
Hi, I have made late payments before with the following companies below : - XXXX  XXXX ( Vehicle Loan ) - XXXX XXXXXXXX XXXX ( Personal Credit ) - XXXX XXXX ( Personal Credit ) - XXXX ( Personal Credit ) - XXXX ( Personal Credit ) I admit that I have missed and late payments with them before, but I already paid them all off. To this day, even when Im doing better with my credit cards, old information from them still hurts my credit score. 

With XXXX XXXX, the full Vehicle Loan was to be paid within 6 years. I have paid it full, XXXX years early ( XX/XX/2022 ). 

With XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX  and XXXX, I have paid them all off, before closing them. 

I couldnt find nor provide my Statement Accounts information from them, because as I said, all my accounts with them were already closed. 

Please do help me resolve this problem. 

Thank you.

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 2021-07-28
Company: BARCLAYS BANK DELAWARE
State: TX
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:
I am writing because Ive been in contact for months with Barclays to dispute a fraudulent transaction on my credit card. Ive been transferred between the dispute and fraud departments every time I call. Ive been told a supervisor is never available but that one will call me back, and yet Ive never gotten a call back. 

The dispute I have is regarding a transaction on my Barclays account where a merchant overcharged me. I was in XXXX XXXX, XXXX at a bar on XX/XX/21 with a friend, and when I attempted to pay the bill for drinks, I was told we owed {$8000.00} XXXX XXXX. I handed my XXXX credit card I use for daily purchases to the waiter who walked away to charge the card, but when he returned, I was told the card declined. 

I then proceeded to attempt to pay with another XXXX card and I was told it declined too. The same happened with a XXXX XXXX I tried to use. I then tried to pay with my Barclays card, but again the waiter returned to say the card declined, and I would need to pay with cash. A representative of the bar then took me to a nearby ATM, and I made a withdrawal, and paid my bill in cash to pay this. I was given no receipt, but I was allowed to leave the bar at this point. 

It was not until I checked my Barclay account online much later that I discovered the Barclays card was charged! Not only was I lied to about the transaction, but the card should NOT have been charged at all because I paid in cash, and the amount also charged is outrageous, and not in line with my bill that day. Plus, I never signed a receipt for that charge. When I noticed the charge, I contacted Barclays to help resolve the matter because I had no way to contact the bar, and I do not speak good enough Spanish to have been able to discuss the matter with them either way. 

I provided a copy to Barclays of the ATM transaction for the cash that I used to pay the merchant, as well as the text messages from both XXXX XXXX & XXXX showing the merchant was trying to charge my account random and outrageous amounts which were not authorized by me and are clearly fraudulent. To date, Barclays has denied my claim once, providing no explanation.

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 2023-07-28
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Sir/Madam, I am writing to formally report a matter of great concern related to my credit report. An account that I do not recognize, managed by a collections agency called IC System, has appeared on my credit report. I firmly believe this is a fraudulent account and it has negatively impacted my credit score.

I first became aware of this issue a few months back. Despite not having any knowledge of the debt, I contacted IC System to investigate. However, they have been unable to provide me with sufficient information to validate the debt. 

According to XXXX XXXX, the fraudulent charge first appeared on XXXX and is supposedly collections for a direct tv account. I have never had XXXX XXXX and, during the time period in question ( since 2018 ), I have been living in a relative 's home and would not and could not have signed an agreement for XXXX XXXX. This is fraudulent and IC System knows it. 

I have not entered into any agreement or incurred any financial obligation that could justify this account, nor have I received any form of communication or warning regarding this debt before it appeared on my credit report. 

I understand the serious implications of credit fraud and the profound impact it can have on an individual 's life. Therefore, I kindly request your assistance in this matter. Please treat this case as a potential fraudulent activity, and help me in rectifying this issue as soon as possible. 

As required, I have also sent a dispute letter to the credit reporting agencies, challenging the accuracy of this information. I am also keeping a vigilant eye on my accounts and credit reports for any other suspicious activities. 

I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter, protect consumers ' rights, and take appropriate action against any fraudulent activities. 

Thank you for your attention to this serious matter. 

Sincerely, 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 2023-10-11
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2023-05-23
Company: TRUIST FINANCIAL CORPORATION
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is against the XXXX process for Hurricane damage. After waiting nearly 2 years for a settlement on the insurance claim, a check was sent in and the process with XXXX  began. After reviewing other complaints it has become apparent that this companies tactics are deliberate and they deliberately delay the payment of partial if not all of the payouts to begin repairs. After many phone calls I continue to receive the same answer of " oh but we need such a document '' then 2-4 days a check. Another call results in " oh but we need this document '' then 2-4 days and a check. When is someone going to audit these people and clear this up. Do you not care about the consumers.

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 2023-01-25
Company: Medical-Commercial Audit Inc
State: MO
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:
This debt collector has impacted my credit score by making falsifed debt collection. Here is infomation about this company, XXXX XXXX MCA MANAGEMENT COMPANY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX. This company has been calling and texting me nonstop for weeks, harrassing and threating me with text messages. When I tried to call them back using XXXX XXXX XXXX XXXX XXXX XXXX, they ingored and hung up. They are very rude and bully. I will not answer their calls because I can not commuicate over the phone with XXXX, XXXX XXXX  and so is my wife. Also this debt was over XXXX XXXX XXXX and I have talked to that medical company and they made a mistake and they still refused to correct their mistake since the balance was already paid off 4 years ago, they still send me a bill 4 years later and I refused to pay for it. This is unacceptable and I have very good credit record. Being XXXX  is very difficult for me to commuicate with these people. I believe this should be waived and removed but both of them have pushed this negative report credit on my credit report. I have copied and paste below here from XXXX Credit Report. 

Updated : XX/XX/2023 Back to Credit Summary Accounts With a Negative Pay Status LENDER TYPE BALANCE XXXX XXXX XXXX XXXX Other {$72.00} Status Date Reported XX/XX/2023 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX XXXX XXXX Account Type Not Reported Responsibility Individual Age Of Account 0 Years, 4 Months Credit Limit Not Reported Highest Balance {$72.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX Remarks Placed for collection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: SYNCHRONY FINANCIAL
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:
Regarding the update of case number XXXX : " YOUR COMPLAINT XXXX is a scam small company by claiming everything is free shipping and free return in 30 days on their front page to seduce customers to purchase items on their websites like those big companies XXXX  and XXXX and etc. I tried to cancel the items in 2 days when they are still in process they didn't allow me to cancel anymore and I went for return and then it suddenly showed up the return fee is going to be {$79.00} for drop off or {$83.00} for pick up. I called the customer service to refuse it they said there is no way I could refuse it I have to pay {$79.00} or {$83.00} for return. I tried to refuse it but the XXXX dropped the item off without my permit or signature. I called XXXX to refuse they told me there is no way I could refuse it I have to call the sender to pay them for refuse. I believe {$79.00} is the double shipping for both way I am being forced to pay double shipping to refuse the item I never signed it or accepted it. I called the PayPal credit card company for dispute they opened the file right away but didn't allow me to refuse the item I never opened it or signed it and didn't allow me to open a dispute on PayPal to refuse or return. Now I am forced to keep the unopened item and there is no way I could refuse or return without paying huge amount of shipping fee that XXXX trying to scam that is not in their description '' I was using PayPal credit synchrony bank for the purchase and filed a chargeback and they didn't allow me to file a dispute with PayPal for refusing or return. I don't want to hold the unwanted item that left at my door without my signature and I don't want to pay any shipping fee for refusal

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