BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019, I filed a dispute with XXXX, regarding several accounts that had been opened, fraudulently, in my name. They deleted a few, but, left two ( 2 ) remaining. I also filed a complaint, with the FTC, about these accounts, and, had a Fraud Alert put on all three Credit Reporting Agencies. As of this date, XX/XX/2019, XXXX  has failed to remove these fraudulent accounts/inquiries. The companies that hold these accounts were notified, and, have rectified the situation internally ; I no longer appear as an account holder on their records, however, XXXX has not removed them from my Credit File, nor, have they responded to my inquiries. The following two ( 2 ) accounts are in question, and, only appear on my XXXX report : XXXX XXXX # XXXX XXXX/PPC  ( PayPal )

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 2021-11-03
Company: Statebridge Company
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:
Dear Statebridge, Re : Attached XX/XX/XXXX Response Letter to the CFPB Thank you for the attached XX/XX/XXXX Response Letter to the CFPB. 
In the attached response you are advising account number for XXXX XXXX XXXX. 
How do you have access to XXXX XXXX XXXX records? Are you the same company? On what document were you relying to provide what you allege is the XXXX XXXX XXXX account number. Please provide a copy of the document ( s ) for our records. 

The payment history you enclosed with your XX/XX/XXXX Letter posts late charges and hazard insurance. 

Please note that the homeowner 's insurance was in place at all times and never elapsed and your payment history is incorrect and requires immediate correction in compliance to Federal law.

Please provide the applicable law that allows Servicers to charge late fees on deflated loans. Or in the alternative, take immediate corrective action. 

As per the attached XXXX XXXX XXXX XXXX Loan Schedule, the XXXX account number posted is neither of the account numbers for Statebridge or XXXX XXXX XXXX you provided in your letter. 

Your letter states : Statebridge Loan Number : XXXX XXXX XXXX Loan Number : XXXX As per the attached XXXXXXXX XXXX XXXX XXXX  Loan Schedule the allocated purchase price for XXXX account # XXXX is posted as {$330000.00}. As per the attached XXXX IRS FORM 1099-A, XXXX XXXX XXXX posted {$530000.00}. We demand a corrected and/or Void notice for this XXXX IRS FORM 1099A.

Provide the identity of the party and their authorization for you to act as their authorized represenative. 

We dispute and deny this debt and proof thereof as per all applicable law including but not limited to FDCPA and RESPA. 

Thank you very much for your assistance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: VA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-04-17
Company: EQUIFAX, INC.
State: OH
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 accordance with Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. These accounts are reporting inaccurate! 

XXXX XXXX XXXX -- -- {$480.00} XXXX XXXX -- -- {$85.00} XXXX XXXX XXXX -- -- {$58.00} XXXX XXXX XXXX -- -- {$59.00} XXXX XXXX XXXX -- -- {$140.00} The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, date last activate is inaccurate, and date last reported in not accurate.

This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

U.S.C 1681 Section 604 A Section 2. It also states that a consumer reporting agency CAN NOT furnish an account without my written Instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
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:
In XXXX I disputed an XXXX XXXX XXXX on my credit report. The credit item was then deleted from my report after communication with the creditor and with Experian. Several months later the account was re-inserted on my credit report without notification. It is my understanding that the bureaus have a responsibility to notify consumer if deleted information is re-inserted on my report. I never received such notification. 

In addition to Experian 's negligence, I the creditor never reported the item as disputed even I had previously disputed the account with them. I have an idea what happened that may have caused the mixup. XXXX XXXX XXXX was no longer reporting on my credit until my husband began to dispute the item on his report. This is when XXXX XXXX and Experian decided the account should be added back to my report. And they added it illegally. 

The partial account number associated with this account is 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 2019-11-12
Company: DISCOVER BANK
State: RI
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: Card was charged for something you did not purchase with the card

Complaint:
This problem pertains to Discover credit card. 6 charges were put onto my account that I did not make. They were all through XXXX. They were all applied on XX/XX/XXXX. 3 were for {$190.00} each and 3 were for {$200.00} each. 

On XX/XX/XXXX 5 credits were put on my account - 3 for {$200.00} and 2 for {$190.00}, omitting 1 credit for {$190.00}. All of these charges so far were without my knowledge. I looked into my account a few days after all these entries had taken place. I then called the credit card company to find out what was going on. They initially tried to say that everything was reversed and my account was credited for all of the amounts. I told them that there was still one charge for {$190.00} remaining. It took some convincing to get them to see that the {$190.00} amount was still outstanding. After persisting, they agreed to give a temporary credit out on XX/XX/XXXX for the {$190.00}. That charge was reversed a number of days later when they said that it went into another dept. for further investigation. They did not show the day of the reversal, but attached XX/XX/XXXX to the entry. After calling about this reversal in early XXXX after checking my account every few days to see if anything new was applied, I spoke with a rep and they were going to credit the remaining {$190.00}. Instead they showed a credit for XXXX of the charges for {$190.00} and only 2 for the charges of {$200.00}. Basically, they reversed the credits to reflect that the {$190.00} was applied 3 times, but the {$200.00} at this time was only applied 2 times. Now my account has an error charge of {$200.00} instead of the original {$190.00}. I called on XX/XX/XXXX and spoke to the Fraud Dept of their company and got a lot of double talk. I told the rep that my account was credited wrongly again. This time a credit for {$200.00} was omitted, leaving me with an overage of {$200.00} on my account. She said that they had done the credits but missed that one and would make the change and it would go through in 48 hours. Each time I talk with someone at that company, they say one thing and do another to make the account look more and more confusing. I am keeping it straight by adding up my purchases and paying for those. I told the rep that I don't want any finance charges applied to whatever amount they omit as a credit for bogus charges ( {$200.00} as it stands now ). She said that there wouldn't be any charges for this. 

One more note. I have paid off the balance amount on this account each month that I have had it opened. I feel that they are disrupting things now to make some money to offset finance charges that they have never gotten on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hello, This is regarding the closed claim # XXXX filed on XX/XX/XXXX with Comenity Bank XXXX XXXX XXXX XXXX credit card issuer. I see that the bank responded with the following message via your website ( I never received any letters or notifications from them with any explanation before I found their response here ) : 1. " We received your payment of {$95.00} on XX/XX/XXXX ; however, since it was paid on your old account ending XXXX, the payment didnt apply to this account and was returned to your bank on XX/XX/XXXX. '' - I never received any {$95.00} back on XX/XX/XXXX - this NOT true. 

XXXX. " We've issued a refund check for {$77.00} '' - it was received but no explanation was provided. 

XXXX. I had to pay an extra {$170.00} on XX/XX/XXXX, to close the account, so they wouldn't be reporting me as a delinquent account. So they charged me TWICE, actually- on XX/XX/XXXX and XX/XX/XXXX. 

4. " Weve reviewed the relevant telephone calls, XXXX XXXX XXXX correspondence, and the disputed information. We found instances where your concerns were not addressed and the account wasnt serviced to our standards. Please accept our apology. Were committed to providing the best customer service and are disappointed when this standard isnt met. '' - Their customer service was the WORST nightmare ever. I've never experienced such an unprofessional handling of an issue in my life that was going on for almost 7 months! Because of this situation, my credit score was at the XXXX point and went XXXX to a XXXX XXXX  I was stressed out, had health issues, and had XXXX for several months due to this situation. 

Thank you and I hope you will be able to forward this information to Comenity Bank and inform them that I am NOT happy at all. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Prince Parker & Associates
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PRINCE PARKER AND ASSOCA XXXX XXXX XXXX XXXX XXXX, NC XXXX still has not validated this debt. I have provided information multiple times via mail at their address on my credit report certified mail and via email. XXXX removed from my credit as required but XXXX and XXXX have not and neither has the creditor. The creditor stated in CFPB complaint XXXX that they received my communication to cease and desist but did not send me debt verification. This is illegal. I am not required to provide them my email address or communication only via email when USPS certified mail is my form of communication. This must be validated or I will proceed with legal action. It must be removed from my credit reports ALL OF THEM until that happens. It has been XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
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:
XXXX ; Experian and XXXX are incorrectly reporting duplicate medical collections on the following accounts : XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$250.00} XXXX   XXXX XXXX {$250.00} XXXX XXXX XXXX {$560.00} XXXX   XXXX XXXX {$560.00} XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$560.00} XXXX   XXXX  XXXX {$560.00} ( Please see pages 23, 24, 25 , 26, and 27 of the attached credit report, along with a spreadsheet with the duplicate accounts. ) This incorrect reporting of duplicate collections is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: IN
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:
This is my 4th attempt at trying to get this company to remove information that does not belong on my credit report.

Per USC 15 6802. ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Also this item was charged off with 1099-C which means it is a certificate of indebtedness and has been claimed as income. It is against the law to be reporting on my credit report with a balance or at all anymore. 

Also consider the privacy act of 1974.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12
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: Public record information inaccurate

Complaint:
I've sent several letters to XXXX, Equifax, and XXXX requesting the removal of a Bankruptcy from my credit report or to provide proof from the court to verify the reporting accuracy. Most recently letters were sent certified on XX/XX/XXXX, XX/XX/XXXX as well as letters in XXXX. They falsely claims on my credit report that information received from the bankruptcy court was verified as accurate. I received a letter from the court clerk stating that the court does not report to third parties including credit bureaus. Credit Bureaus have failed to respond to my request for method of verification concurrently with the FCRA and allow me a current copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have used Cash App for a long time without issue. When I receive a payment, I press to have payment instantly deposited. I pay s small fee and it instantly loads to my debit card. This debit card is connected to my bank account. They will not allow you to use a debit card without inputting your bank account associated to the debit card. My payment for XXXX I proceeded as usual. I never received the funds. It stated it went to a bank account I wasn't familiar with. In email only, because they don't take calls, they refunded the fee of XXXX for not being instant payment. Now they claim it went to an account I haven't used in years. As I stated above a consumer can't use a debit card with this app without an associated bank account. Someone there just took the money. I don't enjoy being stolen from. I really needed those funds for rent. Now I am having to pay a late fee and getting filed against. I haven't used the account they state in years. It's not associated with my cash app. It just suddenly appeared. And your deposit only gets routed to your account if you don't choose the instantly deposit option to avoid the fee. I never chose that option, and they refunded me the instantly deposit fee of XXXX for the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 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 2021-10-12
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
we have car that has a lien on it from BB & T bank. the lien has been paid off since 2014 and we have bought the car they refuse to release the lien even after calling for 1 month the car has been sold and they still the refuse to remove the lien

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 2021-10-12
Company: SYNCHRONY FINANCIAL
State: CA
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: Problem with personal statement of dispute

Complaint:
I am trying to improve my fico score so I can move my family into a better living condition. 
I have taken steps to call all the creditors on my report that are showing negative on my fico score. Each one stated I would have to dispute the account so they can move forward to delete, remove, or erase it from my report with their response. I have a copy of the creditors that were deleted from my XXXX Credit Report to show the creditors that responded back with the delete, remove, or erase statement. I have called several times to SYNCB/JCPENNEY on XX/XX/2021 and on XXXXJCPENNEY stated they would be happy to put it in their system to delete, remove, or erase it from my report with their response. On XX/XX/2021 I got a copy of the revised updated report from XXXX, XXXX, XXXX with the same old information?

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 2019-11-12
Company: SUNTRUST BANKS, INC.
State: GA
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:
XXXX offered to refund my shipping fee purchasing a textbook online, XXXX XXXX, if I joined their free membership and entered the tracking number upon receiving the book. Book was delivered over a week later and I went to enter the tracking number but saw I had to pay a monthly fee to qualify for refund. I did not subscribe and absorbed the fee. But there were two charges from XXXX on my Sun Trust credit card statement ( XXXX XXXX XX/XX/XXXX ) a {$2.00} on XXXX XXXX posted XXXX XXXX and {$13.00} on XXXX XXXX posted XXXX XXXX. 

I told Sun Trust credit card XXXX XXXX, when I received XXXX statement, what had happened and disputed the charges. Sun Trust FRAUD ASSISTANCE CENTER emailed me XXXX XXXX denying my dispute because I had not canceled membership within the agreed time frame per terms and conditions, and I was responsible for the transactions and any applicable fees/ finance charges. Email is attached. 

I called on XXXX XXXX at XXXX XXXX, XXXX said Sun Trust credit card had denied the dispute because the cancellation was after transaction was processed, 24 hours after charges were filed. I said the transaction was for a book that I did receive, I had disputed the unauthorized charges from XXXX, not the book seller. 

I called again on XXXX XXXX at XXXX XXXX XXXX XXXX said they denied my case # XXXX on XXXX XXXX, because I had not canceled within the agreed time frame. I said I had to wait for book to arrive, more than a week after the date of transaction, to send its tracking number to freeshipping.com, and disputed unauthorized charges of XXXX, based on misleading advertisement. What had the FRAUD ASSICTANCE CENTER investigated? XXXX said she was going to file escalation to re-investigate and investigators would contact me for detail information in 3 business days. I asked why they had not asked before, how they concluded without hearing the customers side. I was filing a complaint against Sun Trust with the FTC. 

I called again at XXXX XXXX to clarify whose time frame the investigators had based their decision on. XXXX said it was Sun Trust time frame, and time frame was 3 days before charge went through. I asked how in the world can a customer dispute a charge 3 days before it happens? Who had accesses to that part of agreement? She did not know. 

While It is hard to say who is a bigger scammer XXXX or Sun Trust? It is obvious Sun Trust relies on its legal department to take advantage of consumers.

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