BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: VA
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:
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 reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
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:
The merchant ( XXXX ) billed me {$170.00} on XX/XX/2021 and another {$170.00} on XX/XX/2021, but agreed to refund me a total of $ XXXX {$350.00}. However, Paypal credit card ( XXXX ) from Synchrony bank only credited back {$170.00} instead of {$350.00} as of today. I have started dispute more than 3 times over the last 6 months without any success. Their dispute process is not only inefficient but also extremely slow. Please demand Paypal to refund me the remaining {$170.00}. Thank you very much! 

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 monetary relief
Consumer complaint received 2023-01-07
Company: PNC Bank N.A.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2022 a unauthorized transaction of XXXX was withdrawn from my bank account. I did not authorize this. I submitted a dispute with PNC and received a letter they determined no error occurred. Days before my cell was stolen with all personal information in it. Please refund me my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: N.A.R., Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been the only point of contact that I have had with this company. ( Meaning, I call them, they never call me. ) My phone number has been the same for years. I have called them in in past and asked for documentation of accounts or funds owed. They have sent me paperwork to my corrected address in the past. I have been for the last three months trying to pay this debit which has been on my credit bureau reporting for years. It has always remained the same. When I attempt to pay, they change the balance that I owe. I finally was able to get someone to explain this to me. They are attempting to charge legal fees for doing nothing on a legal level. There has been not one letter from an attorney, there has been no legal filing with the court. I have called multiple times and attempted to pay, they continue to tell me that I over over XXXX for a balance reported at XXXX telling me that it will not be a balance paid in full. One time I called and spoke with a very rude XXXX in XXXX, who has falsified her documents to state that I have confirmed my address to the wrong apt number. I have not lived in apt XXXX XXXX in years. I have also informed EVERY creditor that the new Apt XXXX is XXXX for mailing purposes and I will be sure to receive my mail. At that time XXXX refused to inform me of what the additional debit is from. Once off the phone with her, the very next day she had it reported to the credit bureau at the XXXX plus balance. I disputed it, when it was replaced back on my report, it was put back to the XXXX balance. This proves they have not done a legal process and can not charge me for their invalid and bogus legal fees. I have been paying off accounts with them for the last year. They are aware that I am in Apt # XXXX for mailing purposes. Point is, I have attempted to pay this debit in full per the amount that shows on my credit report. they are refusing to mark it as a balance in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I had reached XXXX XXXX, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

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 2023-03-22
Company: EQUIFAX, INC.
State: MD
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:
XXXX " validated '' the debt I disputed XX/XX/2023 for XXXX XXXX. I have NO IDEA what this is, where it come from and it is now affecting my ability to apply for a mortgage! They validated the debt with out anything I required ( within 30 days, the original signature on the contract ). XXXX and Equifax have not removed the debt either and it's been over 30 days so this should be removed on all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: American Coradius International LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hi, My name is XXXX XXXX. I have an issue with XXXX credit for {$110.00}. Now they added some fees and interest = {$140.00}. The XXXX system appears with two pages because I have seen the XXXX system has been asking me to add the amount for their credit. It is an amount I did not use. 
Whenever I apply for XXXX money, I pay off tried on time. 

I have concerned about what and why they charged. So, I have contacted XXXX customer service several times about this issue, but the online system did not go through with my issue item. They kept sending me several departments to contact. Also, I spoke with the customer services department about this amount ; they did not see that amount, they did not see that section in my account in their system, and they did not know XXXX was asking for the money to add the credit, though, I took the screenshots. I sent it in the report section, but they ignored it. 
In contrast, XXXX reported this issue to American Ciradius International LLC. Now, XXXX Locks me to my account sections. I couldn't get any information, but Please see the message below that I sent to XXXX. 

Hi, My name is XXXX XXXX. Account # : XXXX. I have an issue with the " {$110.00}. XXXX '' of the transaction on XX/XX/2021, and now adding some fees + interest " {$140.00}. '' The worst thing is that XXXX reported that amount to the Third Party collector office. 
The below information is my detailed transaction on XX/XX/2021. 

XXXX XXXX + {$110.00} XX/XX/XXXX Top Up Loading transaction details for XXXX XXXX + {$110.00} XX/XX/XXXX Top Up Transfer from XXXX XXXX XXXX {$110.00} Transaction ID XXXX Transfer to XXXX balance Can you explain why I have to add my money to XXXX credit? 
If you don't, I will sue XXXX and report XXXX. 
Although I paid {$110.00}, why did XXXX report that amounts to the Third Party collector office accordingly???. Why does XXXX need my money to add in the XXXX credit as shown in my account online as " Add money to resolve your negative balance of {$140.00}. '' I need to get a fair solution. 

Thank you. 

XXXX XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
. 
Dear Customer Advocate Services Team, I received your recent letter, Ive calling this number for the past of one month XXXX and my problem have never been resolved. I want to emphasize the seriousness of the situation. I received the XXXX XXXX XXXX XXXX ending in XXXX, but I have never used it. Someone is using this card for purchases without my knowledge or consent, and I have no access to the card details or an online account to check transactions. 

I have been made aware that this unauthorized activity is negatively impacting my credit report. This is unacceptable, and I demand immediate action to rectify the situation : Deactivate the Card : Block all transactions on the card ending in XXXX immediately to prevent further unauthorized charges. 
Conduct a Fraud Investigation : I expect a thorough and swift investigation into the unauthorized activity on this card, as I have no information about the transactions. 
Resolve Credit Report Issues : Work with the credit bureaus ( TransUnion, XXXX, and XXXX ) to promptly remove any inaccurate information related to this account. 
I am deeply disappointed with the handling of this matter so far, and I insist on a swift resolution. Please take these actions urgently to protect my financial well-being.

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 2023-01-08
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I am filing this complaint because Citibank failed to deposit a {$700.00} Cash Bonus into my account which I qualified for within 90 days from the end of the month in which I completed all the promotional offer requirements : 1/ New Business checking account ( streamlined ) was opened on XX/XX/XXXX after completing the required documents with XXXX, Citi Vice President/Business Account Manager at a local Citibank branch.

2/ Met the {$25000.00} qualifying balance level during the initial 30 calendar day funding period on XX/XX/XXXX with " XXXX '' funds deposits. 
3/ Consecutively maintained that balance until XX/XX/XXXX, exceeding the 60-day maintenance period requirement ending on XX/XX/XXXX. 
I have contacted Citi small business support to inquire about the Bonus, issue was escalated under Claim XXXX XXXX XXXX XXXX on XX/XX/XXXX, and was asked to wait 5 business days to get a response. Did not hear back from support so I called again on XX/XX/XXXX and was informed by A ... ... .that a " code '' was needed. I told the Rep that a code wasn't required as it was not stipulated in the offer XXXX & XXXX. Rep instructed me to contact my local Branch Manager T ... P ... which I did, but that e-mail remains unanswered. 
I have once again reviewed all the documents including the business account application and there is absolutely nothing supporting the Citibank representative 's claim that a promo code was required to get the Bonus such as : " Bonus code is XYZ '', " Activate bonus code XYZ '', " Must provide bonus offer code XYZ to a banker '',... 
Not sure if I'm dealing with incompetence or if Citibank engages in deceptive practices but the issue hasn't been resolved and thought it was time for me to file a formal complaint with CFPB. 
I have included the promotional offer XXXX & XXXX that was attached ( XXXX XXXX XXXX ) in one of the e-mails sent to me by the Business Account Manager on XX/XX/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 monetary relief
Consumer complaint received 2022-11-01
Company: Westlake Services, LLC
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 status incorrect

Complaint:
This account is included in bankruptcy. Bankruptcy was discharged XX/XX/2022. Account is showing late payments and a balance owed. Should not show a balance owed, should show included in bankruptcy, and should not show late payments as Westlake bankruptcy department states debt uncollectible.

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 2022-04-14
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2023-02-11
Company: D&A Services, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022 a company had sent me a letter at my new address that stated they are debt collector. I had certified mailed D & A Services a NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT. When D & A Services had received the my letter I was sent statements about an alleged debt. I didnt ask for statements. I had asked for a contract between D & A Services and myself. I didnt make a copy of my notarize letter to D & A SERVICES instead I have provide a copy of what I had used. Below is information that will help with the investigation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Dear Sir/Madam, on XX/XX/2018 I paid to GM Financial in full the lease end fees. Since then they have been trying to collect the fees again even after I sent them the copy of the cashed check to them. It has been five months since I paid the fees. Every month they are sending me billing invoice and every month I have been sending them the copy of the cashed check and an explanation letter. I don't see an end to this constant harassment so I am hoping you can help me with this matter.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to bring to your attention the apparent violations of various provisions of the United States Code related to debt collection practices. Specifically, it has come to my attention that your company, LVNV Funding LLC, may have violated the following statutes:1. 15 US Code 1692B : This section outlines the requirements for debt collectors to provide written validation of debts upon request by the consumer.2. According to 15 USC 1692g ( a ), within five days of the initial communication with a consumer regarding the collection of a debt, the debt collector must send a written notice to the consumer. This notice should include information such as the amount of the debt, the name of the creditor, and the consumer 's rights to dispute the debt or request verification.3. 15 USC 60 92D : This section addresses the fair debt collection practices and prohibits deceptive, unfair, or abusive practices in debt collection.4. Under 15 USC 1692d, debt collectors are prohibited from engaging in any conduct that is intended to harass, oppress, or abuse any person in connection with the collection of a debt. This includes practices such as making excessive or repeated phone calls, using obscene or profane language, making threats of violence or harm, publishing lists of debtors, or engaging in any other conduct that is intended to harass or abuse the debtor. 
5. 15 USC 6 9 2K : This statute establishes the guidelines for the calculation and imposition of statutory damages for violations of the Fair Debt Collection Practices Act ( FDCPA ) .6. 15 US Code 69 2D : This section outlines the penalties and remedies available to consumers for violations of the FDCPA.It is important to note that I am not a legal professional, but I believe that the aforementioned codes may have been violated based on my understanding of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: Law Office of Michael J. Scott, PC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Improper Use of my consumer credit report This is a third party company trying to collect on a debt that does not belong to me, I am not obligated to pay the debt to this party, I dont have a contract with this company. 

VIOLATIONS violated my rights to Privacy15 USC 1692 15 USC 1681 Section 602A Ignoring my Demand to Cease And Desist all actions and communications concerning this company and all company 's under RESURGENT CAPITAL. 
These accounts have been sent to three different companies since I have demanded the stoppage of all actions as you will see attached below. 
Did not give me accurate time to dispute these accounts before adding them to my Consumer Credit report Dates are on the attachments to prove they had no intention of allowing me the right to dispute this account thus voiding my RIGHT TO PRIVACY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently pulled my credit report and I noticed several inaccuracies in regards to my personal information. I mailed a letter addressing the inaccurate information this past Wednesday, XX/XX/2023 certified mail. I'm submitting this complaint simply as reassurance that it get corrected. You can find the letter attached within.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: EQUIFAX, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My Capital One credit card payment is due today, XX/XX/2021. I made the payment today, but was informed that it would not post on the due date because the payment is being made after XXXX XXXX. I called Capital One, and they refused to accept my payment and post it for the date it is being made. I spoke with XXXX, who informed me that the " system '' won't allow her to accept it on time, and that I would be charged a fee, despite not having made a single late payment in the almost 8 years the account has been open. She informed me that after the late fee is charged, I will have to call back and request for the fee to be reversed, and that only then can they determine whether it qualifies to be reversed. They would not disclose what factors contribute to whether a fee waiver is available, but it seemed implied that perhaps certain personal factors may contribute to the situation. Is that even legal? As a consumer, who has made every effort to pay this bill on time for years, I am deeply concerned at the lack of care shown by Capital One. This should have been a simple matter to resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-18
Company: DISCOVER BANK
State: RI
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:
I am currently in the process of purchasing a home and have discovered discrepancies on my credit report. According to the 15 USC 1681 law, my credit report should not contain any inaccuracies or damages. The presence of such discrepancies is not only affecting my ability to secure a home loan but also constitutes defamation of my character.

Company response to consumer: Closed with explanation