BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-15
Company: TRUIST FINANCIAL CORPORATION
State: NY
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:
BB & T Bank continues to wrongfully and illegally pursue collection activity on an overdrawn checking account opened fraudulently in my name in an identity theft scheme, a scheme BB & T is currently investigating as of XX/XX/2021, and contrary to verbal assurances made to suspend collection efforts during the pendency of their fraud investigation. Upon information and belief this conduct violates, among other laws and regulations, the Fair Debt Collection Act, section 5 of thr FTC act, which prohibits unfair or deceptive acts or practices in ir affecting commerce, and further constitutes an Unfair, deceptive or abusive act or practice under the Dodd-Frank Act.

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 2020-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
IN TRANSUNION COMPANY RESPONSE LETTER TO CFPB, TRANSUNION SAY THE PUBLIC RECORD WAS VERIFIED.TODAY I WENT TO THE UNITED STATES BANKRUPTCY COURT, THEY TELL ME THEY DONT VERIFY ANY PUBLIC RECORDS. SO CAN TRANSUNION EXPLAIN TO ME HOW THEY ARE VERIFING THIS PUBLIC RECORD, I DONT THINK PACER IS THE ORIGIAL SOURCE.

610 ( a ) ( 1 ) ( 2 ) and 610 ( B ) FCRA [ 15 USC1681a ]

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 2019-08-05
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:
The following accounts were never a past due, I never made a late payment on the accounts ever, change this, reverse the late payments I have a good relationship with these creditors. Not to mention they will not give me an explanation as to why they wont fix this erroneous inaccurate claim that has affected my credit score. CFPB please step up and fix this ASAP 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 2019-05-14
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:
This account is illegally being reported on my credit report. On dates, XX/XX/19, XX/XX/19, and XX/XX/19, I formally disputed it directly with EQUIFAX in regards to their illegal reporting, and their response was VERIFIED. 
On date, XX/XX/19, not only did I reach out the company directly with a letter after EQUIFAX supposedly verified the account, in getting this issue resolved. I sent along an affidavit but the address EQUIFAX has listed on my credit file for this company came back UNDELIVERABLE from the United States Postal Service. I presented the documentation to EQUIFAX and they still havent removed the fraudulent account. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have mailed out time after time the right information of employment with Company name address phone number and still on my credit file there is wrong information of places I work for that are wrong and not the company I work for. 

Time after time the credit Bureaus create hospitals as staffing company 's as the names are not right after I have giving the right information. 

I have enclosed another copy of current and past employers with right name spell and address I want proof of the company 's on my file as right or deleted I have been sending the right info and it never gets updated as right.

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 2017-07-07
Company: Critical Resolution Mediation LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A XXXX XXXX called with the following message onXX/XX/XXXX17 and I called back and said do not call my number XXXX XXXX XXXX again Voice Mail to Text : This is XXXX XXXX. We have made several attempts to reach you in regards to a complaint filed in our office against you both verbal and written with no response. Please be advised you are at risk for further action. We need you to contact our office immediately. If we do not hear from you by the end of today 's business. Our client will have no other choice but to seek other remedies to protect their best interest to contact us at XXXX ext. XXXX or press one to be connected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Opportunity Financial, LLC
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:
Please be advised that along with my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite three ( 3 ) written requests, the unverified and FRAUDULENT items remain on my credit report in violation of Federal Law. I have provided you with a : 1. Identity Theft Affidavit 2. Identity Theft Police Report 3. Asked for Validation of the account with my original Signature as I did not sign for this loan.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be deleted immediately. Attached are the proof ( s ) of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a statement from Citi Bank stating I had a balance due on my Credit Card. I paid the balance in FULL by the due date. I then received a statement with a balance. I contacted Citi bank and they said " that was the balance due from the time they mailed the statement to the time they received payment ''. I did verify that they did receive my payment before the due date. If thats the case, how will I ever pay this off? I go online, my account says " Balance Due '' and provides a due date. If I pay it in full by that date, it should be satisfied. They continue to bill me interest charges. I pull the bill online to get the most up to date information and pay that. Then I receive a bill for interest. I have tried to resolve this with them even by calling and trying to pay in full over the phone. NO LUCK!

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 2020-02-18
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$20000.00}, {$11000.00}, {$420.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$20000.00} -This is not my account.

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
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: Personal information incorrect

Complaint:
I have mailed out time after time the right information of employment with Company name address phone number and still on my credit file there is wrong information of places I work for that are wrong and not the company I work for. 

Time after time the credit Bureaus create hospitals as staffing company 's as the names are not right after I have giving the right information. 

I have enclosed another copy of current and past employers with right name spell and address I want proof of the company 's on my file as right or deleted I have been sending the right info and it never gets updated as right.

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 2019-10-09
Company: EQUIFAX, 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:
Equifax Department of Education Upon doing a recent review of my credit report. Ive noticed that their are inaccuracies with the Department of Education. XXXX account number ( XXXX ) has Discrepancy in the balance, account number, date open, date closed, account rating, creditor type, payment status, last payment, account type, payment frequency. Not to mention the inaccuracy of the payment history. 

XXXX  and XXXX XXXX are reporting different from what you are reporting. If this is the same account being reported by the same creditor, how are these numbers and other verbiage different? 

Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete this account immediately because of the negligence of the original creditor and in inaccurate information that is supplied. 

I have enclosed a screenshot for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Synchrony Bank continues to charge interest to a furniture purchase I made at Ashley Furniture store in XXXX. The have engaged in deceptive business practices and a series of omissions and misrepresentations including : 1. I did not receive written monthly statements 2. I was not contacted in any manner with notification that a promotional rate was expiring 3. The automatic monthly payment schedule was set up incorrectly 4. Synchrony has been unable to provide the actual invoice and rate/terms. In a letter dated XX/XX/XXXX, they state that they " have been unable to locate the specific sales receipt for the date and amount specified. '' 5. Since the discovery of the error, Synchrony has been unable and willing to resolve the error regarding the remaining interest on the account ( {$2800.00} )

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 monetary relief
Consumer complaint received 2020-10-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed and submitted multiple complaints about XXXX XXXX inaccurate information on my credit report. XXXX XXXX is in blatant violation of the FCRA. They are reporting an account that has been charged off as an open account with late payments. XXXX XXXX has also deceptively changed the reporting history in this account and upon investigation keeps sending false information to the credit bureaus. It is plain to see XXXX XXXX are reporting 120 and 180 day late payments. The record also reflects there has been no payment om this account for 4 years. Which means 120 and 180 day late on my credit reports is inaccurate information and against the law. I have tried to resolve this many times with no resolution. By law per FCRA XXXX XXXX and Credit Bureaus must report accurately. They knowingly have not and thus continue to affect my credit and my life in a negative way. This information must be corrected to report accurately or I will be forced to take legal action against XXXX XXXX, Equifax, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Hi thank you for taking the time to read my complaint. 

This collection company is reporting that I owe them money or have a contract with me. I do not owe them any money I'm not sure how they are able to report this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2020 I applied for the XXXX Mastercard that is advertised at the link here : XXXX XXXX XXXX. 

The XXXX Mastercard is clearly advertised as " If Approved, Make a Purchase Immediately. '' After completing the online application through Synchrony Bank, I had to call in to the 800 number listed to confirm security details. This process seemed ordinary, so I answered the questions respectfully and in full. Upon finishing the questions, I was approved for the credit card. 

Great news! I was ready to begin using my new card immediately. However, when asked how this was possible, the agent, XXXX, informed me that it was NOT possible to make a purchase immediately. 

While he did understand that the marketing of the product clearly and undoubtedly states that the consumer would be able to " Make a Purchase Immediately '' - he stated that there were several different cards that this could be referring to. Upon further clarification that there is only one XXXX Mastercard that I applied for and was approved for, XXXX stated that the marketing was correct because " I would be able to use the card immediately after receiving the physical card in XXXX days. '' Upon escalating the situation to a supervisor, XXXX, it was clear that Synchrony Bank is specifically aware of the false advertising of the card, and that they were unwilling to provide any reasonable solution for the consumer. 

I suggested to XXXX that a reasonable solution would be to overnight or express ship the physical card to my address. While this is not " immediate, '' I felt that it would be a fair way to mitigate the situation. XXXX refused to have the card express shipped and agreed, without question, that I had been misled by the marketing of this product. 

Unfortunately, there is no way to go back in time and un-run my credit report or take back my social security number. However, Synchrony Bank is specifically at fault for this situation for a ) including misleading or incomplete marketing information to advertise their XXXX Mastercard, and b ) failing to provide a reasonable level of customer service by expediting the delivery of the card.

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 2017-12-28
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1 ) I do not know CBE Group Inc {$42.00} Date Assigned XXXX/XXXX/XXXX # XXXX Retail Unpaid 2 ) I do not know XXXX XXXX XXXX Date Assigned XXXX/XXXX/XXXX {$1500.00} # XXXX Cable or Cellular Unpaid I had Identity theft before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have wrote XXXX XXXX letting them know that my account says open when it is closed and reporting on my credit report. I also advised XXXX that formerly XXXX XXXX on XX/XX/XXXX of the incorrect balance and that it says closed and still showing up on my credit report. They verified as accurate. I also disputed this again on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and still no luck. This is really hindering my credit.

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 2020-02-18
Company: Santander Consumer USA 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:
Please be advised that along with my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite three ( 3 ) written requests, the unverified and FRAUDULENT items remain on my credit report in violation of Federal Law. I have provided you with a : 1. Identity Theft Affidavit 2. Identity Theft Police Report 3. Asked for Validation of the account with my original Signature as I did not sign for this loan.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be deleted immediately. Attached are the proof ( s ) of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Hi thank you for taking the time to read my complaint. 

This collection company is reporting that I owe them money or have a contract with me. I do not owe them any money I'm not sure how they are able to report this on my credit report.

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 2019-05-14
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Called Equifax today, XX/XX/2019. Several months ago I asked for a freeze on my account because it appeared that someone had fraudulently accessed my account. I needed to have the freeze lifted so that I could apply for a new credit card. 

I called Equifax and got a woman in XXXX who was hard to understand. She asked me a number of questions which I answered easily but then she wanted to know what credit cards I have and the minimum payment due. I told her my credit cards but said I always paid off the balance each month. She kept telling me to answer the minimum payment question which is a XXXX  question. The full balance is paid directly from my checking account each month. Moreover, the amount would fluctuate monthly. She continued to tell me to answer her unanswerable question. Finally, I asked for a supervisor but he also insisted I answer this question.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: AR
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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