BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-15
Company: BARCLAYS BANK DELAWARE
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:
Barclays bank delaware is reporting a credit card on my credit report that is not mine. I did not apply or sign any documents to authorize a credit card to be opened under my name. This credit card is showing on my credit and I have been denied credit by other companies because this credit card is over the limit.

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 2020-11-21
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I sent a Debt Validation Letter to LVNV Funding for a collection notice I received in the mail about an account with a full balance of {$830.00}, today is XX/XX/2020 more than 30 days after and I have yet to receive any response back. However, I assume they did not respond as they have no validation for the debt because the collection has been deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX XXXX XXXX i have called, sent in letter 's. XX/XX/XXXX XXXX XXXX sent in letter 's XX/XX/XXXX XXXX of i have called, sent in letter 's XX/XX/XXXX XXXX XXXX sent in letter XX/XX/XXXX XXXX XXXX sent in letter XX/XX/XXXX XXXX XXXX XXXX called and sent letter to dispute XX/XX/XXXX XXXX XXXX sent letter to dispute XX/XX/XXXX XXXX called and company sent letter XX/XX/XXXX XXXX sent letter XX/XX/XXXX XXXX XXXX XXXX XXXX called and sent letter to dispute XX/XX/XXXX XXXX XXXX XXXX XXXX called and sent letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
RECURRING INFORMATION, Proof that XXXX XXXX XXXX  violated and reneged on an agreed Payment Plan. Attached you will find a letter sent to XXXX XXXX, CEO, XXXX XXXX XXXX Corporate Office on XX/XX/2017. The letter clearly spells out that the agreed upon Payment Plan is for {$81.00} to be withdrawn from my checking account each month. I now provide proof, back-up and support that {$81.00} was withdrawn from my checking account with XXXXXXXX XXXX on XX/XX/2017, XX/XX/2017, XX/XX/2017 and XX/XX/2017. The bank statements show and explains the withdrawals. Following the last withdrawal of XX/XX/2017 the withdrawals stopped without notice or written confirmation to me. The account was them placed on credit bureaus ( XXXX, Transunion and XXXX ) that I had defaulted and then charged off. Transunion, XXXX and XXXX did not investigate and discarded my complaint to the benefit of XXXX XXXX XXXX becoming co-defendants. I have now received a collection notice from the XXXX XXXX XXXX XXXX XXXX : XXXX. It is my belief that XXXX XXXX will be somewhat displeased that individuals within their organization would purposeless damage and harm the financial well being of an unsuspecting consumer. I believe that my experience with the credit bureaus will get national attention and rightfully so!

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 2017-12-14
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX XXXX # XXXX {$600.00} No contract with creditor you have already had this removed and it reapperared as same account under new name. 
Unauthorized inquiry XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-09-08
Company: SYNCHRONY FINANCIAL
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My hsn account was transferred from XXXX XXXX  to synchrony bank. Before it was transferred, the account balance was hundreds of dollars lower. Even though the balance is wrong, I have made several payments that they have not posted. They have cashed all of the payments except three that were returned to me indicating they have no account to apply the payments to. I was never sent anything in writing ( like a statement ) from synchrony. So I have no account number if it did change. Also, I was never notified that the account was being closed by either bank. They just closed the account and increased the balance considerably.

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 2019-03-11
Company: BB&T CORPORATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX sent {$350000.00} wire to BB & T Bank in XXXX for recipient account, XXXX XXXX XXXX Fed Reference : XXXX Case ID : XXXX XXXX recalled the wire XXXX follow-up on recall XXXX follow-up on recall for the last month or so, different people at BB & T Bank keep telling my contact in XXXX that they will return the {$350000.00} to my account at XXXX XXXX XXXX, but it just does not happen

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 2020-05-20
Company: ONEMAIN FINANCE CORPORATION
State: TN
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'm a victim of identity theft so i watch my credit report a lot. I notice an account on there from a company name ( OneMain # XXXX ) on my XXXX  credit report. I contacted XXXX  in XXXX and they told me to contact Onemain because they are saying the account is mine. I wrote OneMain on XXXX XXXX, 2020 asking for a copy of the contract with my signature on the contract. I'm knowing they wouldn't have it because its not mine i just wanted a paper trail. XXXX Onemain respond with a copy contract with another company letter head also without my signature. I wrote them again on XX/XX/2020 asking again for a copy of the contract with my signature this time on XXXX XXXX Onemain just sent me a letter without a copy of the contract. On, XXXX XXXX I went to the police station and updated my identity theft police report by adding the company OneMain to it because this is a Fraud account that someone put in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: EQUIFAX, 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act Equifax continues to violate 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. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I have filed multiple disputes about the following closed account. ( Account Name : Unknown ( Not Given By Equifax ) ( Account Number : XXXX ). Ithey received certified letters from me to them more than over 40 day ago stating my dispute, They fail to even notate that a dispute was even submitted. This account inaccurate and unverified Equifax refuses to comply with the removal. This information is erroneous and against the law. I demand it please be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been a victim of fraud and i am in the process of trying to get my credit back in order. Every year i hav to ofile my taxes with a security code. I have sent a copy of the various items on my report that does not belong to me along with an FTC original letter addressing these items as well to all 3 credit bureaus. TransUnion and XXXX  keeps stating that they have not received it although i have certified proof that the information was indeed signed for by their organization. It has now been well over 30 days as this is my second attempt to get these matters rectified without any success. I am trying to purchase a home and this has hendered me greatly. So fa XXXX has complied and assisted me with my matter. Any assistance with this matter will be appreciated.

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 2020-09-04
Company: EQUIFAX, INC.
State: NE
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:
Starting on XX/XX/XXXX and XXXX I sent in my identity theft documents with request to remove accounts and inquiries within 4 business days per the FCRA. No one did anything and just disputed instead. I have been trying to get this fixed with Equifax for almost a month past the FCRA notification and I spoke with an employee the last week in XXXX as well. On XX/XX/XXXX and XXXX I spent multiple hours on the phone with employees who have continually transferred me, hung up on me, claimed to be fraud department but are not, send me to disputes etc. 

On XX/XX/XXXX I spent an hour on the phone with a gentleman who told me they would not comply with FCRA 605b because thats not their progress and to wait 30 days. I got hung up on when I asked to speak with his supervisor. 

Every time that I called in, I was connected directly to the fraud alert department without pressing any prompts on the key pad. I was forced each time to explain why I needed transferred, and not to send me to disputes ... then they would send me to disputes and then disputes would have to transfer me to fraud department who would say let me verify you-do the questions and then say okay hold while I take a look ... and then hang up on me again! Please review the phone calls and your employees responses, yes I got very annoyed after over an hour of just needing to make it to one department. Your staff need educated, this has made it almost impossible to get identity theft off my report. 

I spoke to a gentleman named XXXX who was very helpful and said my interns would be removed within 24 hours with my FTC report. However, they are still appearing. I got ahold of a lady on XX/XX/XXXX who told me to just wait I had to spend 20 minutes attempting to get an explanation or understand what was left in the process to do. All she would say you just need to wait and talk over me. 

Your staff are not educated in the business lines, compliance or customer service level I would expect for a consumer agency that is reporting identity theft on my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 contact the collection agencies and the credit reporting bureaus several times in hope of resolving this matter and correcting my credit report, but they continue to violate the FCRA by reporting erroneous information in my credit reports. The erroneous information comes from 3 collection agencies that I do not owe : XXXX XXXX for {$960.00} and a XXXX XXXX XXXX for {$75.00}

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 2018-10-03
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been paying on this account for over 10 years and I feel I have paid to much. The original amount owed was {$20000.00}, and the agreed amount is {$11000.00} I've paid this debt amount down to $ XXXXThe monthly payment is XXXX. The amount of the loan was {$5000.00}. They didn't explain to me about the high interest amount. I thought I had paid the full amount, but they turned this into a collection agency. The collection agency is XXXX XXXX XXXX XXXX. The original account number is XXXX and the current account number is XXXX ill you please investigate this company to see if this is legal Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: NC
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 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 non-monetary relief
Consumer complaint received 2018-10-03
Company: HYUNDAI CAPITAL AMERICA
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: Account status incorrect

Complaint:
Leased a XXXX XXXX XXXX through XXXX XXXX XXXX XXXX, never missed a payment, never late, carried a credit score of over XXXX. Turned the vehicle in XX/XX/XXXX, lease was up on XX/XX/XXXX, I paid in advance to turn it in early, thought that was it. On XXXX XXXX I received a credit alert that XXXX XXXX XXXX XXXX reported me delinquent, late 30 days, but early termination, obligation satisfied. It dropped my credit score over 120 points. I called them, they said so sorry, we will start an investigation, and it would help if you could send supporting paperwork, which I did and even mailed return receipt requested. I also reported to XXXX  and XXXX and started disputes. On XXXX XXXX XXXX  sent me their investigation which found in my favor and changed the status Improved account no delinquency and raised my score to XXXX. I then called XXXX to see why I hadn't heard from them, they said they were still looking into it, which had me puzzled, they said they would know within 30 days. Yesterday, I received another alert that XXXX reported me delinquent again. I am so upset and distraught over this false reporting I called, asked for a supervisor and they said they will start ANOTHER investigation. Please someone help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX Report per privacy guard XXXX card # XXXX Limit of {$7900.00} This is acount is being reported wrong and illegaly per the FCRA and XXXX XXXX reporting compliance mandates. 

This alleged Charge off debt shall not carry a balance or High limit which is injurous to my credit score.  and incomplete account number. Per FCRA all information reported shall be reported 100 % accurate or must be deleted. 

XXXX XXXX XXXX account # XXXX alleged collections account showing a balance of {$1300.00}. Which is again is being reported incorrectly and illegaly per the FCRA and XXXX XXXX reporting compliance standards.

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 2020-06-01
Company: Law Office of Steven A. Booska
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Fraudulent, never served, default judgment for a dept that is not mine. calls me at work repeatedly, never mailed a notice of Judgment, then leined my property. Levied my Bank, I don't know this person, never owed this person. garnish my wages by provideing false information to the court. 

doubled in amount with interest that I never owed in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 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 investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: FIRST MIDWEST BANCORP, INC.
State: IL
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/2021 it was discovered that 3 fraudulent charges were made to my debit card. I went to First Midwest Bank immediately after noticing them and got a new debit card. I was told they would review the 3 charges and return my money. On XX/XX/XXXX I was mailed a letter saying that one of the charges will not be returned for a total of {$77.00}. When I called customer service they said their is no appeal nothing I can do but call the company that the charge was made and fight with them. The company is XXXXXXXX XXXX XXXX. They can not give me any information because I do not know what phone number the charges were applied to. First Midwest will do nothing to assist in these charges or let me appeal.

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 2021-02-23
Company: Coinbase, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
A representative from the SEC advised that I contact you about this. I have been locked out of my Coinbase account since XX/XX/XXXX, and have unsuccessfully attempted to resolve this issue many times. After spending over three hours on the phone with two agents on separate days, I finally decided that I may be dealing with unscrupulous people and I discontinued my conversation.

Shortly after this experience I wrote separate letters to different addresses, one of which I had on file since I initially invested in Coinbase. The other address I found on line. To this date, I still have not heard from anyone. Over a period of six weeks I was given a different case number each time I attempted to reach out. Here are the five case numbers assigned to me from most recent to earliest : XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. Unfortunately there was no way for me to identify a previous case number. Consequently, a new case number was assigned each time I attempted to make contact with someone. Their helpline only sent me in circles without success. I am desperate for someone to help me with this very frustrating dilemma. I would be extremely grateful for your urgent assistance with my situation. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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: Investigation took more than 30 days

Complaint:
I contacted Equifax credit reporting on XX/XX/2020 to alert that I had some items on my credit report that I was disputing. This was necessary because I knew that I would probably need to secure a loan due to the COV19 issues that were beginning to drown small businesses. Equifax alerted me that they had contacted the companies and the reporting companies submitted automated validation of the debt. 

On XX/XX/2020 I sent certified letters to the companies asking that they provide the same validation to debt to me that they provided to Equifax including documentation in the form of ledgers, signed forms, etc that support the debt. 

The companies did not provide validation in the 30 days as required by the FCRA. Therefore, I sent a letter to Equifax to advise them of the results of my debt validation request. 

I believe that Equifax has not acted in good faith with requiring that the companies valid the debt they are reporting. Secondly, the companies did not act in good faith by providing me with the debt validation documentation that I requested. 

I am now asking for CFPB assistance because these incorrect issues on my credit report are causing me irreparable harm. I am a XXXX Woman Owned XXXX XXXX  and your urgent assistance to survive. Thanks

Company response to consumer: Closed with explanation