BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-16
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2020, a payment of {$800.00} was made to Carecredit/Synchrony Bank, which paid the outstanding balance in full. 

On XX/XX/2020, XX/XX/2020 and XX/XX/2020, CARECREDIT / SYNCHRONY BANK have drafted {$140.00} from my XXXX XXXX  account, resulting in overdrafts on two occasions. This has moved the Carecredit account into a credit balance. They have refunded this with a check that takes a week to receive for the XX/XX/XXXX and XX/XX/XXXX drafts. I have requested a refund of the XX/XX/2020 draft but it has not been received. 

I have spent hours on the phone with Carecredit and they say that the payment is initiated by XXXX. I have also spent hours on the phone with XXXX and are assured that this is untrue. In addition, I never set up on my XXXX online account or by phone to do bill pay. I always initiated payments through Carecredit/Synchrony website. In addition, XXXX verifies that these are ACH requests they are receiving from the merchant. 

I can not continue to have {$140.00} a month withdrawn from my checking account to a credit account that has been closed and paid completely in full. I have spent at least 8 hours across these three months with Carecredit and there is no real help that they have provided. Please help.

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 2023-06-22
Company: EQUIFAX, INC.
State: MS
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:
I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ACCOUNT NAME : XXXX XXXXXXXX ACCOUNT NUMBER : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be Provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
I have disputed the late payments report on XXXX XXXX XXXX The Credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2021-05-27
Company: Patenaude & Felix A Professional Corporation
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After being reporting false payment history and balance information and MANY submissions through all 3 credit bureaus, Ive provided evidence showing all payments Ive made and the reported balance is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have found 4 accounts on my credit report that do not belong to me they are a bunch of different things that I have not signed or applied for. I have sent out a Identity Theft Report and also contacted the bureaus multiple times with letters after letter since XXXX of 2020 4 letters to be exact and they have not done anything about this. Please help me out XXXX XXXXXXXX XXXX  XXXX - Act # XXXXX Amt {$4200.00} XXXX XXXX XXXX XXXXXXXX - XXXX # XXXX XXXX {$4400.00} XXXX XXXX XXXX - Act # XXXX Amt {$180.00} XXXX XXXX - Acct # XXXX Am {$150.00}

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 explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: PA
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:
Dispute of XXXX XXXX  XXXX Account XXXX, XXXX XXXX XXXX On Experian, XXXX XXXX XXXX on XXXX, XXXX XXXX  XXXX. on XXXX. 

I am writing to dispute the account information related to my XXXX XXXX XXXX account, as it contains inaccuracies and discrepancies. The account details provided by your credit reporting agency do not align with the payment history and status of the account accurately. I request a thorough investigation and correction of the following discrepancies. 

Experian : The information provided by Experian states that the first payment on the XXXX XXXX XXXX  account was made in XX/XX/XXXX. However, my records indicate that the first payment was made in XX/XX/XXXX, followed by clean payments until XX/XX/XXXX. According to your report, a XXXX late payment and a CLS ( closed ) status are indicated for XX/XX/XXXX. This is inconsistent with my payment history. 

XXXX : The information provided by XXXX indicates that the first payment on the XXXX XXXX XXXX account was made in XX/XX/XXXX. However, this is incorrect. The actual first payment was made in XX/XX/XXXX, and clean payments were made thereafter. The report shows XXXX consecutive XXXX late payments for XXXX and XXXX, which is inaccurate. My payment history reflects a single XXXX late payment during that period. Furthermore, the report indicates clean payments until XX/XX/XXXX, which does not align with the accurate payment history. 

XXXX : According to XXXX 's information, the first payment on the XXXX XXXX XXXX account was made in XX/XX/XXXX, followed by clean payments. However, the report shows no information beyond XX/XX/XXXX. This is incorrect according XXXX which has my payments all the way until XXXX of XXXX, It gets confusing, and there are missing updates regarding the account status. 

I kindly request that you conduct a comprehensive investigation into these discrepancies and rectify the inaccurate information on my credit report accordingly. Please provide me with a written confirmation of the investigation results and any corrections made to the account information. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: MS
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:
accordance with the Fair Credit Reporting act XXXX Account, 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 Account name : XXXX XXXX XXXX  XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name U.S. DEPARTMENT OF EDUCATION Account number XXXX Account name : XXXX XXXX  XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number XXXX XXXX Account name : XXXX XXXX  XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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 2021-11-08
Company: EQUIFAX, INC.
State: MD
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:
I am XXXX XXXX I am submitting this complaint myself and there is no third party involved.I have been patiently waiting on their response to the written requests I sent. We have been sending written letters since XX/XX/XXXX with regards to my request of removing the items in question and my last request was sent in XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have been trying to resolve the effects of this on my credit file. I currently have 2 accounts that are reporting on Experian that they claim have been verified as accurate despite the numerous documents I have supplied to show otherwise. I have even contact the data furnishers and they have stated they have never had this account disputed as fraudulent. I have since sent a request for validation and verification that the accounts are indeed mine to include the methods of verification/validation and any people contacted. I contacted Experian to confirm they received my documents and spoke with " XXXX in the fraud department '' as that is the only information he gave me. He stated that he did not see my dispute even though I have proof my fax was sent successfully. I have since uploaded the request for validation/verification and am also reaching out to the XXXX, CEO and Attorney General until this is rectified. Both of these items were deemed fraudulent previously and deleted from my credit file but then added back onto my credit file without notice.The fraudulent accounts are XXXX and 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 2020-07-16
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 {$450.00} I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting.

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 2023-03-11
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wachovia bank incorrect charges

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 2021-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/21 an unauthorized withdrawal of {$620.00} was withdrawn at a B of A in XXXX, Georgia by someone who somehow received my bank card and pin number. 
On XX/XX/21 an unauthorized withdrawal of {$340.00} was withdrawn at a B of A in XXXX, Georgia by someone who somehow received my bank card and pin number. 
On XX/XX/21 an unauthorized purchase of {$390.00} was made at a XXXX in XXXX, Georgia by someone who somehow received my bank card and pin number

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 2023-05-15
Company: Kriya Capital, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credence Resource Management XXXX has placed a collections account with XXXXXXXX XXXX XXXX on my credit report which is false. I called Credence on Friday, at this point I had no idea what the collections was for or regarding. XX/XX/2023 because they had placed an account with XXXX XXXX on my credit report I explained to Credence representative that I have never had an account with XXXX XXXX, they stated it was from XXXX XXXX, which I also have not had. I asked about correspondence and why I have not received phone call or a bill and they stated they emailed me in XXXX, which, if they did it wasn't on my email. They stated they received the account in XXXXXXXX XXXX XXXX, sent an email in XXXX and placed it n collections on XX/XX/2023. After continuously going back and forth with the supervisor on Friday evening, who was trying to do everything he could to get payment or a small payment and a payment plan he kept telling me if I made a payment it would be off my credit report in 14 days. I knew this was untrue and ended the conversation. I called XXXX XXXX today, XX/XX/2023, to inquire about the collections. The representative took my information, and him and a supervisor looked at history and current accounts and verified I owed nothing and there was no account under my name at all in there records. I now have a collections on my credit report for {$520.00} that has caused my credit score to drop XXXX points in the midst of trying to find a home by XX/XX/XXXX and they check my credit score for approval. Please advise me of any steps I need to take from here and how to remove this from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27
Company: Experian Information Solutions Inc.
State: MI
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 disputed a collection account from XXXX XXXX that was incorrectly reported. On XX/XX/19 the information was updated as paid and it states it is going to sit on my credit report for 4 years. I had two accounts and they deleted the other one.

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 2020-04-22
Company: Experian Information Solutions Inc.
State: CO
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I requested verification of account with this credit reporting agency on in writing on multiple occasions. These requests were sent by certified mail ( I have attached the receipts with tracking information ) on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Despite 4 written requests over the span of a year, the unverified items are still listed on the report and the reporting agency has gone so far to claim the items are verified without garnishing physical verification of the original signed consumer contract, or any verification documents at all for that matter. This credit reporting agency has had over a year to produce the documents that they are legally required to provide to me. 

If this agency does not have a copy of original documentation ( a contract with my signature on it ) as required under Sections 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Further more, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 

This organization has violated 3 different sections of the Fair Credit Reporting Act, and has had over a year to produce these documents. They clearly are not in possession of any proof of the validity of these documents and continue to present this false information to my credits. 

This is illegal and defamatory. This credit reporting agency is INTENTIONALLY violating the law. Opening a dispute with the CFPB is my last hope/resort before being forced to file a lawsuit.

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 2021-01-24
Company: Chime Financial Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Confusing or misleading advertising or marketing

Complaint:
XX/XX/2021 there was 8 transactions that was return in fund XXXX claimed in the receipts. Getting ready to pay team instead of trying doing a new claim that is how to put a XX/XX/XXXX on my transactions which calls me not to be eligible which they do what it was doing they sabotaged my chance and get a provisional credit knowing that I was well enough eligible to be credit.I called time about this XXXX which they knew they made I called and called they hung up in my face said it was something that he can do about it and I would like how King y'all say that when y'all the one that forcefully put my charges on the old claim that was totally different XX/XX/XXXX which was a Friday I called it's supposed to representative they corrected the issue in the dispute team department and told me that I would get a email and a provisional credit on the XXXX which is XXXXi call again on the XXXX to VERIFY THE NEW CORRECTIONS TOLD ME THAT NOTHING DIDN'T CORRECT IT I'M NOT ELIGIBLE AND I FEEL TOTALLY SABOTAGE .AS A XXXX MAN IM USE TO BEING TREATED THIIS WAY AND IM TIRED OF FULL NOT CORRECT IN THESE PREJUDICE SABOTAGE BEHAVIOR ENOUGH IS ENOUGH!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Experian Information Solutions Inc.
State: NC
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 paid XXXX XXXX XXXX , a charged-off account, in full, on XX/XX/2021, in the amount of {$2100.00}. 
Despite repeated disputes being filed with Experian, the credit bureau, the original creditor, and the third-party collection agency are all delaying the reporting of the account as having a XXXX balance. 
Experian 's systems do not work, despite me paying them {$24.00} per month. 
It is wrong for an American citizen to pay a debt in full, only to have a balance continue to show as outstanding. This is wrong, and I'm not going to take it any more.

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 2019-08-16
Company: EQUIFAX, INC.
State: MO
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:
Since XX/XX/2019 XXXX  has been continually reporting to Equifax that my closed account is open an negligent. I have spoken with representatives several times since XXXX including XX/XX/26,XX/XX/29,XX/XX/19,XX/XX/19,XX/XX/19. They have refused to contact Equifax to fix their reporting issues.  Yet, I as the consumer has to suffer and have my credit score dropped monthly for incorrect reporting on their end.  I have spoke to Equifax on XX/XX/14 for an hour and they too have informed me of exact details of XXXX incorrectly reporting to Equifax. XXXXXXXX is continuing to not return calls or tell me someone will call me in a day and I never receive a call. I'm stressed and have suffered tremendously from this one situation.

Company response to consumer: Closed with explanation