BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-14
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card was stolen and used multiple times without my knowlege or consent. I reported it to Chime and they did nothing. They fid not even investigate. The same day I disputed the claims they denied them. Its impossible to investigate fraud in a few hours. They automatically denied my claim. I provided them with a police report proving my card was stolen. They always do this to customers without investigating

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: FL
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:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: CHERRY TECHNOLOGIES INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Applied for 0 % financing for a dental procedure. My credit score was in excellent territory based on their web site example. Also provided XXXX plus in proven liquid assets. Instantly approved but was not offered the 0 % program instead I was offered 15.99 % and higher. I contacted company to complain and they gas lighted me saying my score and assets must not be enough but that they can't see the information on their end. I told them I had not been turned down for 0 % financing in at least 15 years and it must be a mistake. They do nothing about it and tell me tough. Offering programs then changing the terms with no proper guidelines is illegal and predatory. I took my business to XXXX XXXX and was instantly qualified for 0 % 12 month program no questions asked. I notified the dental office and the XXXX  about this predatory behavior and I'm extremely disturbed at other reviews I've now read about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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: Card was charged for something you did not purchase with the card

Complaint:
BOA credit card is charging me $ XXXX to a bank transfer to a reported stolen account I did not buy anything or was involved with this transaction but they wnat me to to chance the bank they transferred the money into a stolen and closed XXXX account but the issues is they have no proper information on how it happens so i have no evedsienc eon how it happens but there is a police report on the stolen money and bank account thsi happens at the end of 2021 and i ahve been trying to chase down this missing money and making payments on it, evry time to try to dispute it or get mor einfor they keeps send me denied letters saying I HAD BEEN MAKIGN PAYMENST YEA as they keep calling me to, so they shoudl be able to tell me mor eon how this money was transferred into a ACCOUTN THAT WAS STOELN FORM EM AND CLOSED, so that is the basic story im trying to find oout where the missing $ XXXX is or went that Im paying on for nothing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: EQUIFAX, INC.
State: VA
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:
The info below, doesnt belong to me and i have tried many times to get it removed from my credit report and it is pulling my score down. below is all the details to what i do know. 

XXXX XXXX  Account # XXXX Amount {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
To whom it may concern, I have a charge off from SYNCB/TOYSRUS that is still listed on all of my credit reports. 

I called several times regarding this and was told by SYNCB/TOYSRUS company this would be removed from my credit report. 

I just checked again today and currently XX/XX/XXXX and it is still showing up from XXXX SYNCB/TOYSRUS ). I would like this updated and removed from all 3 credit report agencies ( XXXX, XXXX  and XXXX ) as they had promised. 

Card Detail : SYNCB/TOYSRUS Opened XX/XX/XXXX ( 6 yrs, 4 mos ) Closed XX/XX/XXXX Thank you for your time, efforts and assistance in having this removed, I am grateful.

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 2023-09-30
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I've been a Customer with Barclay 's since XX/XX/2018 and they sent me a letter stating that they won't renew my account? For the most part, I'm on time with my payments. I just completed a financially draining divorce which destroyed my XXXX XXXX and now after almost XXXX years they want to penalize me by abruptly closing my account? It seems arbitrary and capricious in nature. I have other credit card companies who have reviewed my accounts and kept them open because of my XXXX figured income. I like the card and I'm very disappointed with " Barclay 's ".

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 2019-07-08
Company: REGIONS FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
My XXXX son received his final compensation from XXXX XXXX, located in XXXX XXXX XXXX, California where he worked part-time while going to high school late XXXX, in the form of a COMDATA Pay Card. 

On XX/XX/XXXX, he checked his balance using an ATM machine and was charged {$3.00}, but was unable to withdraw any funds. He tried 5 different machines on the same day and each time was charged either {$3.00} or {$3.00} for the balance inquiry ( for a total of {$20.00} ). 

He was not informed of such balance inquiry charges by his former employer or COMDATA. 

On XX/XX/XXXX, he withdrew from the card at an ATM machine and was charged {$3.00} on a {$280.00} draw. He told me about the fees and I contacted COMDATA multiple times from mid-XXXX through late XX/XX/XXXX and complained about the charges. Each time, I was told that the credit has been approved but will take 5 to 10 business days to show up on my sons account. The refund was never credited to his 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 monetary relief
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: PA
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 am not liable for this debt with XXXX Account # XXXX, I never signed a contract with this company. I have filed with the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 


DEPT OF EDXXXXXXXX Last reported XX/XX/2022 {$3700.00} Reported balance DEPT OF EDXXXX Last reported XX/XX/2022 {$3400.00} Reported balance DEPT OF ED/XXXX  Last reported XX/XX/2022 {$3400.00} Reported balance 15 U.S.C. 1681 section 602 A States I have the right to privacy. 
15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written authorization.

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 2022-09-12
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was made aware I have 3 items in collections with the same company. This company has not contacted me via phone or letter. The only reason I was aware I had anything in collections was when I checked my credit report and noticed they are reporting it. This is the second time this has happened with this company. After noticing these items on my credit I then disputed them. My understanding is that under the fair debt collection practices act they are to send me a written debt validation notice with information about the debt they are trying to collect. It also must be sent within five days of the first contact. This company has never attempted to contact me. They have been made aware of this issue when I disputed it on my credit reports, yet I still have had zero contact from them. They are reporting a {$700.00} medical debt from XXXX XXXX. Collection  opened XX/XX/XXXX. 
{$850.00} medial debt from XXXX XXXX. Collection opened XX/XX/XXXX. 
{$480.00} medial debt from XXXX XXXX. Collection opened XX/XX/XXXX. 
Do to this happening with the same company for the same thing in the past this company is well aware of my phone number and address to make contact with me. This has in return caused a negative effect on my credit and could have been avoided had this company followed federal laws. If I was made aware I was in collections when they first opened these items I could have validated the debt and paid these items as to not cause my credit score to go down. Instead these have been reporting negatively on my credit for months without me knowing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: MoneyLion Inc.
State: IL
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:
Someone opened Student loan account with MoneyLion Inc on my Name. and took XXXX . The account was opened on XX/XX/2021. 
I noticed this fraud account on my credit report on XXXX XXXX and disputed the report with XXXX. XXXX  simple reported information correct and did not remove the account. 
I have also contacted MoneyLion Inc and tried to explain to get more details and close the account but did not received any good response. 
-- -- - Below is information I see on my credit report -- Account Number XXXX Creditor 's Name MONEYLION INC Type of Industry Personal Loan Companies Address XXXX XXXX XXXX, XXXX , UT XXXX Account Balance XXXX Payment Status Current Creditor 's Preferred Contact Method Other

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have not interacted with the company but the debt is showing it as a recent debt and i know its been longer than 7 months since i became delinquent, its been 5 years. they are wanting {$770.00} and i was only suppose to pay {$440.00} $ but it went up to {$770.00}. 
I havent had any contact with " XXXX '' But it seems the info is incorrect. Im looking for some kind of help to see if this matter can be resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: DriveTime
State: CA
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: Personal information incorrect

Complaint:
XXXX employer denied me work harbor XXXX XXXX XXXX wrongfully drug test me with out my consent.1 rental property in XXXX never stayed at residence. Also another rental property in XXXX XXXX never rented from them as well. Someone also has a home in my house we're there collecting mortgages out on currently I am in XXXX just got my XXXX XXXX XXXX XXXX XXXX kids just need you guys to see if you can help 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 explanation
Consumer complaint received 2023-02-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2019-11-26
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received two emails, both from Synchrony Bank. They both state a " trial deposit has been made to my account. '' One is supposedly tied to my AMAZON account, I don't have a Synchrony Bank account or an Amazon Card. 
I did not request or solicit this " trial deposit ''. 
There is no information to contact this bank - only a reference to the FTC website.

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 2022-09-12
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:
In accordance with the Fair Credit Reporting act, XXXX  accounts XXXX XXXX  # XXXX, XXXX XXXX # XXXX &  XXXX XXXX  XXXX # XXXX have 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 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2021-05-19
Company: DISCOVER BANK
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Discover calls me at least five and up to six times every single day for three months now They have changed the number they use to contact me multiple times so multiple numbers have been spam calling me and harassing me on the daily The numbers they have been literally harassing me with are ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX I am evidently a student as I have a student credit card, so they are spam calling me during times that are evidently inconvenient for me My voicemail is filled because of all of the voicemails they leave and I can not receive important phone calls because they spam call me This is literal harassment because they call me on multiple numbers, multiple times a day which is very illegal to do when collecting debt under the Fair Debt Collection Act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Two items have has been placed on my credit report by LVNV Funding LLC, that is fraudulent and that I had no prior knowledge of. This matter didn't arise until myself and my expecting fiancee were denied housing because of this matter. I have now retained legal representation in regard to this damaging issue and am seeking a removal of these item ( s ) from my credit report, while this matter is being pursued further. If these items are not removed or deleted from my credit report while being investigated and reviewed, action will be taken by legal counsel against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: UT
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:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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 2023-07-25
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: TX
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 sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation