BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There are two fraudulent hard inquiries as well as a credit card opened through synchrony under my name. I have called multiple times and the representatives act like they havent heard about my complaint before. Its been 18 days and I still havent received a confirmation letter. I have o ou received a bill demanding that I pay the {$1500.00} fraudulent credit card bill. I have disputed through the CRAs and none of the information is correct and it hasnt been corrected. Every time synchrony changes my report it negatively effects my score.

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 2022-06-15
Company: Spring Oaks Capital, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been in various disputes with Spring Oaks Capital , LLC since they showed up on my credit report in XXXX of XXXX This occurred after they spoke with spouse who informed them that we had not had any sort of loan through the company from which they purchased the supposed debt. 

The original creditor was XXXX XXXX. I've not even heard of XXXX XXXX until this ordeal, and I honestly couldn't say what sort of credit the company provides to customers. I know that I am not a customer, though, and they have apparently provided my information to the aforementioned debt collector. 

Since XXXX, as previously stated, I have filed several disputes regarding this $ XXXX debt. Somehow it has managed to still show on my credit report. 

The mind boggling part of this situation is how you're expected to prove a debt isn't yours, while the little, if any, proof the creditor provides is sufficient based on a similar name or something to that effect. A similar name does not constitute paying a debt that isn't due. 

I have unsuccessfully disputed numerous times because I haven't proved the debt isn't mine; but stating it's not should be enough. The burden should not fall on a supposed debtor who, like myself, may have no documentation of any sort because there was never credit provided to begin with. Creditors should actually have to prove who the correct debtor is rather than targeting an individual who possesses commonalities with the debtor. 

I am hoping for a better result going through the CFPB and hope to have this debt removed entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I requested the following information and it was not provided by the debt collector State the amount of the debt when you obtained it, and when that was. 

If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 
Tell me when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: VA
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 AE  XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2022 XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Transuion inquiries XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX i have reached out to all these creditors also transuion a few times about this matter nothing happens the last i spoke to transuion about this i was told to put it in writing i did and they still reporting on my credit report those was fraudulent attempts and wasnt 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 non-monetary relief
Consumer complaint received 2018-09-04
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Here 's the situation .... I paid off a Chapter XXXX Bankruptcy in XX/XX/XXXX, and in XX/XX/XXXX went through the appropriate channels to be issued permission to purchase a new vehicle. 

The bankruptcy was discharged as of XX/XX/XXXX. The payments for the vehicle have, and still are being made ( account is current ) and were reported to the credit bureaus up until XX/XX/XXXX, and that's when I noticed the account completely disappeared off my report, like it never existed. I called and spoke with someone at XXXX and they advised me that because they had just received the bankruptcy discharge ( in XX/XX/XXXX - they said ) basically someone " dropped the ball, because it should have never been reported to start with ''. 

However, when we originally purchased the car in XX/XX/XXXX and had to submit all paperwork to XXXX XXXX, this was submitted and we spoke with someone at XXXX while at the car dealership, to verify that this would be reported and were told that yes, most definitely it would be reported to the credit bureaus. So basically now we are being told we will be paying a car note for the next 6 years that will not be reported to any of the credit bureaus, and that there is nothing we can do about it. All I want is for the account to be reported again to the credit bureaus ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent money to XXXX to my husband kids are sick so he needed the money right away they told him in XXXX that there wasnt no money so I went to XXXX XXXX  XXXX USA and they told me that they couldnt give me my money back yet that there was steps I dont have the time to be going back in forth I need my money back so I could send it through another company there just giving me the run around XXXX XXXX is different you call them and tell them the problem they give you your money right away never doing business we you guys again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: TD BANK US HOLDING COMPANY
State: NY
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:
On XX/XX/20 made a purchase of foodstuff at XXXX XXXX of XXXX and the goods were old and inedible. 

Merchant refused to exchange or make good, called the credit card, and was met with a refusal, as the charge was temporary, however they said they will follow up. 

Have tried several times contacting credit card to dispute charges, after being on hold for the " Dispute Dept '' calls get disconnected ... ..kind of a conspiracy. 

Disputing {$79.00} which came on statement at end of XX/XX/XXXX. 

Another issue is the reward program. 

According their schedule is basic rewards for all charges, double rewards for supermarkets and similar, and triple rewards for any dining facilities. 

In the past year they have failed miserably to post properly, their internal investigation is not existent, although they may say, that they will investigate and send a XXXX sheet, its a big bluff.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Experian Information Solutions Inc.
State: IL
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 have sent several certified letters to this company requesting validation of a contract in which I have never signed up with this company, I have sent several certified letters to the reporting agencies showing them proof that this debt is not validated from this company, I have never agreed or signed up to be extended any credit with this company they are reporting an account # of 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 2021-09-18
Company: BARCLAYS BANK DELAWARE
State: WA
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:
I joined the website XXXX for travel related purchases ( air travel, hotels ) and at their suggestion got a XXXX Visa Rewards credit card from Barclay 's doing business as XXXX on XX/XX/XXXX - in order to get VIP Gold status at XXXX which offers special discounts, promotional pricing and other benefits when making purchases through XXXX. I verified with XXXX support first that I was applying to the right company and website. 
I did not get the promised VIP gold status on XXXX and after many hours of messages and phone calls they concluded that the card from Barclay 's was not a XXXX XXXX  Visa ( despite saying so on the card and documents that Barclay 's sent me ) and this would have to be fixed by Barclay 's. 
So I contacted Barclay 's support, by text phone and at their direction, through their website 's Message Center, and have tried for some time to get resolution from them, but keep getting delayed. The whole process started in XXXX, and my original goal was to purchase tickets and book lodging for a trip in XXXX as I have told everyone, so at this point I need assistance from you in getting the benefits I am entitled to, which were my only incentive for doing business with Barclay 's in the first place. 
Here 's the time-line : XX/XX/XXXX - Texted XXXX supplied to confirm that the XXXX Rewards Visa was legitimately connected to XXXX and Barclays XX/XX/XXXX Texted Support because VIP status wasn't gold. Told to wait 24-48 hours. 

XX/XX/XXXX Texted Support again. Told to wait 24-48 hours. Objected and was given Customer Support phone number. 

XX/XX/XXXX phone call XX/XX/XXXX third text told to contact barclays XXXX Message to Barclays explaining situation. Given phone number and told to call. 

XXXX Phone call to Barclays. Case was opened. Told to use online secure message center with case number. I did so. 
XX/XX/XXXX still no response so I messaged them to follow up. 
XX/XX/XXXX response from Barclay 's saying XXXX days until next response I also can supply screen shots for the original offer of VIP Gold status and for several stages of these communications.

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 2019-02-22
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I did not receive a statement in XX/XX/XXXX or XX/XX/XXXX. I was reported delinquent to the credit rating agencies, but never received a notice that an amount was due. Once informed that an amount ( {$630.00} ) was due, it was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have over XXXX credit inquires on all XXXX credit reports and have several times to get them removed which has impacted my credit score. I have sent letters asking to have them removed and today XX/XX/XXXX nothing has been done. 

I am writing to you for help I look forward to hearing from you. 

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 2021-02-04
Company: EQUIFAX, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
I was not updated or notified on the status of my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2022-06-15
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I reach out to this company asking about a debt i have no knowledge of and they went about it wrong and saying the going to harm my credit report and all type of other stuff i have no knowledge of this debt at all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: Park Hill Holdings
State: GA
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: Information belongs to someone else

Complaint:
I have contacted this company 10 times now about the reports they are furnishing. There have information that is not mine. I have sent in a photocopy of a valid drivers license, Social Security Card or A copy of a utility bill with your current and a copy of my Identity theft report. 
mailing address. They have yet to delete my report with them. They are reporting this information which has cause me not to get approved for years for housing.

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 2021-05-06
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX, by phone I reported my card as lost/stolen to USBank Reliacard, and XXXX and was told by USBank that they would deactivate the card and send me a replacement. They sent the replacement card, but did not deactivate the account. Instead, whoever stole the card was able to contact USBank and change the phone number and pin. The thief was then able to drain our account over {$4100.00} using various ATMs. They did this from XX/XX/XXXX to XX/XX/XXXX. We submitted a fraud/dispute of charges on XX/XX/XXXX. On XX/XX/XXXX we received a notice of denial of our dispute. When we called in to find out the reason for the denial, we were then told that the denial we had was not for our card -- and was for a claim for over {$11000.00}. XXXX from USBank told us that the denial had the wrong card number on it and we should disregard the denial. I called again on XXXX, and XXXX told me that they were still reviewing/investigating but no denial had been issued and it would be approximately 45 days before a decision would be made. Then, I called today ( XXXX ) and was told that they had again denied our claim on XX/XX/XXXX BEFORE we spoke with XXXX. 

On XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX I requested they send me the document used to determine the denial of my claim. I STILL do not have any documents although I have been assured they were mailed on each of those occasions. On each of those occasions I have been told our claim is for {$11000.00} when our claim is for approximately {$4200.00}. When I ask if I can speak with the Prepaid Dispute Resolution people who are denying my claim, I am told that no one can talk to them or call them. One can only fax them which I have done repeatedly and received NO RESPONSE. 

USBank also allowed the thief to change the phone number and pin associated with my card. When I called in on XX/XX/XXXX to find out the status of my card, my cell phone number was no longer associated with the card, and my pin no longer worked. I did not make those changes to my profile, so the thief must have done it with USBanks help and cooperation. 

As a consumer, I followed all directions and reported the card lost/stolen immediately upon discovering that the card was missing. I requested USBank to deactivate the card on XX/XX/XXXX. Apparently that did not happen. Instead, USBank changed the phone number on my card as well as the pin thus allowing the thief to abscond with my money. As a direct result of USBanks negligence, I have had over {$4200.00} stolen from me. 

I have been hounding USBank to help me with this situation. I am met with being told that there is nothing USBank can do. Only the Prepaid Dispute Resolution department can help me but there is no effective way to reach that department. I am frustrated beyond belief.

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