BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: NY
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Certegy Holdings, LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The main point is that XXXX XXXX XXXX in XXXX, MI have a freeze on my ACH transfers, credit reporting issues and check writing privileges. The VIP section of the casino will not authorize any of my winnings nor at other casinos. Under the fair XXXX the report 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 explanation
Consumer complaint received 2023-05-19
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:
Equifax, and only Equifax, shows a XXXX account that does not belong to me. I contacted XXXX  and they verified that I do not have an account with them and recommended I file a dispute with Equifax. I filed the dispute, but Equifax says that XXXX verified that the account belongs to me. I also received a letter from XXXX stating " they are unable to update the credit report because to remove authorized users from credit reporting the authorized user must be removed from the account ''. I called XXXX again and explained that someone had committed fraud and that the account is not mine. They said I am not in their system so they can not do anything about the account because I am not in their system. I told them the reason I am not in their system is because I do not have an account with XXXX The representative just kept saying there was nothing she could do because I am not in their system. Their letter also said that if I have any questions regarding the matter I should call the number on the back of my card, which I can't do because I don't have a XXXX card because I don't have a XXXX account. For some unknown reason XXXX simply has no interest in contacting whomever it is they are sending the bills to in an effort to straightened things out, so at this point I am left with no other choice than to file a report for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/22, i initiated XXXX external transfers from my Ally account to a previously Ally authorized external account ( XXXX XXXX XXXX XXXX ). The first transfer posted and deducted money from Ally on XX/XX/22 and posted at XXXX. The XXXX transfer deducted on XX/XX/22 from my Ally account but has NOT posted at all at XXXX as of this complaint date XX/XX/22. The third transfer just fell out of Ally 's system as they suspended my external XXXX transfer account. Numerous calls lasting 30 mins - 2hrs with 30+ mins of hold included, have resulted in being told that Ally cancelled the XXXX transfer and suspended my XXXX account but still deducted the funds from my account. They claim to be researching and to be putting the funds in my account but have not done although they admit taking the funds and NOT transferring them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-24
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Synchrony bank... .missed numerous bills sent to me and have numerous times in the past two years charged XXXX $ fees for bills not received i pay on time, all the time, and accounts such as amazon XXXX XXXX XXXX XXXX XXXX XXXX have all charged me XXXX late fees for bills never received. ( supposed to be delivered us mail. ) I've called them but they say they can do so. Its amazing they are paid on the other accounts, but these always are either late or not delivered at all, and it really hurts when i pay my bills on time, all the time. Then they up the interest rates after the second time. Unfair. I should've gone to a loan shark. Cheaper rates. As soon as my balance 's are paid in full ( i ALWAYS pay on time ) i will no longer be a customer of synchrony Bank. They are thieves.

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 2019-08-01
Company: LJ Ross Associates
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I never received any notice for them company. I called advised the collector I was a victim of identity theft & I do not have a contact or agreement with a Wet signature from their company or client. The collector continued to overshadow me by speaking over or cutting me off. I told her this Remark was placed on my credit. She said were not removing it & I need to check with my post office they sent a letter. Which is not validation or a contract. I am requesting this removed from my credit unless a contract with my signature an be provided from LJ collections agency.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I set up my checking account to make my Best Buy monthly payment on XX/XX/2018, the due date. I received an email confirming that and have attached it and never received any other type of notice contradicting that. Today XX/XX/2018 I receive a statement from Best Buy showing a past due balance indicting my payment on XX/XX/XXXX wasn't processed. I contacted customer support, they confirmed that I set up the checking account to make a payment on XX/XX/XXXX but say the payment didn't process properly because I removed my checking account from their system and while that is correct, I do not want my checking account info on Best Buy 's or any other company 's website, it shouldn't have stopped my payment from going through since the payment was confirmed by email. Apparently Best By 's only payment method is by recurring payments through a checking account but I am not comfortable with that since so many companies are having security issues. The representative was kind enough to withdraw the late fee but my records will reflect that I missed my payment and that is not true. I MADE MY PAYMENT ONTIME. I received an email confirming the payment was setup and there is no legitimate reason the payment didn't go through and there is absolutely no reason my credit should be affected by their mistake.

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 2023-11-04
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have a XXXX credit card account. I had purchased a computer with an interest fee of 0 % for the first year. I carefully calculated my payments and the computer was to be paid off prior to the interest fees. I had autopay set up for $ XXXX payments. At the end of XXXX i received an email stating they were selling my account, and access would be restricted. I called XXXX at that time, to make sure my last payemnt ( {$97.00} ) would not be charged late, or if the autopay would still work, etc. I was told no late fees are charged, and as soon as I got the letter stating the account was changed, to login, and make sure all was in order. I received the letter around XX/XX/XXXX. It stated that I had incurred interest of {$280.00} because I did not pay my promotional purchase off in time. I reached out to the creditor, and was told that there is nothing they can do, as I did not pay my promotion off in time. My promotional balace would have been paid off in time had they NOT SOLD my creidt account, and restricted my access to the account while the transfer was occuring. Even if you can not assit, I would like others to be warned of the predatory manuever of creditors, as this is totally unfair. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-18
Company: Mercedes Benz Financial Services
State: IA
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:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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

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 2022-05-24
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-10-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX ( s ) # XXXX and XXXX ( Late date Both Accounts XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( Late Date ( s ) : XXXX XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX This Company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, The Law States ( b ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

These Consumer Reporting Agencies can not furnish any of these accounts because I Did Not give my written instructions.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; It is also an unfair act to report late payments inside their payment grace period most of the payments for XXXX XXXX XXXX was reported before grace period in the year of 2022. 
16 CFR & 444.4- late charges It is illegal to report late payments without the person consent.

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 2022-05-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: SANTANDER HOLDINGS USA, INC.
State: GA
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:
Called the company serval times to let them know I was payed of if work and to use the program I was in to defer payments and no late fees be added. They lowered my payment and still put late fees on account. Santander Consumer Usa was sued for this in the past. I paid this account off and they still report late payments. 

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under 04s.1 open end consumer credit plan as late for any purpose.

455

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I asked Portfolio Recovery Associates ( PRA ) to verify an alleged debt and they have failed to do so. They are in direct violation of the FCRA collection laws. Under 15 U.S. Code 1681i - Procedure in case of disputed accuracy, it states " ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. '' This company has not provided an agreement with XXXX XXXX that authorizes them to collect on this alleged debt, an agreement the bears my signature wherein I promised to pay XXXX XXXX, or complete history on this erroneous account to prove that the debt amount they wish to collect is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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

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 2022-07-12
Company: EQUIFAX, INC.
State: PA
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 account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. WF/XXXX  XXXX Date Open : XX/XX/XXXX Balance : {$24000.00} and WELLS FARGO XXXX Date Open : XX/XX/XXXX Balance : {$1800.00}.

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