BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-26
Company: EQUIFAX, INC.
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:
Attempted to validate alledged debt with XXXX XXXX Acct # XXXX with all 3 bredit bureaus and they failed to provide the proper validation documents requested. On top of that the information on the report in regards to the alledged debt is very incorrect. 

I can point out the the ORIGINAL CREDITOR was XXXX XXXX and it also states that the account is in collections with a collections agency. If that is the case, under the guidelines, the balance reported should be {$0.00} ; which it is not on the credit reports ( a snip is attached for you to review ). 

Also, a validation letter came from a company called XXXX XXXX who claims they now own the alledged debt. Also in the letter they provided a copy of the bill which states the amount due is only {$1700.00} and on the credit report it is different along with the amount that shows on their validation letter. None of this information matches up and the line item needs to be taken off immediately. 

XXXX XXXX or XXXX is a third-party debt collection agency based in Florida. XXXX has received consumer complaints alleging violations of the Fair Debt Collection Practices Act ( FDCPA ), including improper contact or sharing of information and threatening to take actions that can not legally be taken. 

As of XX/XX/2017, the XXXX XXXX XXXX reported 508 closed XXXX XXXX complaints over the previous few decades, including 231 closed complaints over the past 12 months. Nevertheless, the XXXX   provides XXXX an A+ rating. Additionally, XXXX lists 37 XXXX complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, eight alleging violations of the Fair Credit Reporting Act, and one alleging violations of the Telephone Consumer Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: MS
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 contacted credit bureaus XXXX, Experian, and XXXX about false inquires on my credit report impacting my credit in a negative way, however they still have not removed said inquiries and information form their reports. Ive called and sent letters and am still waiting. I want them to remove these inquiries and false information!!! XXXX XXXX XXXX inquiries on XX/XX/XXXX and XX/XX/XXXX and XXXX XXXX, XXXX on 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 non-monetary relief
Consumer complaint received 2018-04-10
Company: U.S. BANCORP
State: TX
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:
During the time period XX/XX/XXXX, through XX/XX/XXXX, XXXX XXXX XXXX credit card holder, an XXXX female XXXX XXXX, was in a XXXX XXXX recovering from XXXX XXXX XXXX XXXX. Due to this, the credit card holder was unable to make payments in a timely fashion. The credit card holder contacted the XXXX XXXX XXXX Customer Service onXX/XX/XXXX,  requesting to have the late fee reversed. The credit card company, XXXX XXXX XXXX, refused to reverse the {$38.00} late fee.

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 2019-06-05
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Had Samclub Mastercard since 2001, was about to take the card as my sole method of payment in a trip to Europe. Called customer service to inform them of my travel plan and was surprised that my account was closed. No notice, no letters, no emails, nothing ... 

Reason is lack of activities ... Account can't be reopened or activated ... have to apply again ...

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 2018-09-26
Company: CITIBANK, N.A.
State: IL
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 my credit card bill the other day ( around XX/XX/2018 ). It included an annual fee of {$95.00}. I called to object to the fee. Last year, the same thing happened, and a manager agreed to waive the fee if I spent X amount by a certain date. I did that last year to avoid the fee, but hadn't been billed in year 's past. This year, I called expecting the same result. Instead of agreeing to waive the fee, I was advised they wouldn't do that again this year. 

I left it at that and then spoke with my husband. We both agreed we rarely use this card. We no longer wanted it if we had to pay the fee. When I called and explained this to them, I expected them to do what another credit card company had agreed to do under these circumstances : Let the card lay dormant and not charge the fee. I'm keenly aware of the fact that closing out a card negatively impacts your credit score. Citi explained to me that they have no such practice. They could cancel this card and reissue me another. Again, this impacts my credit score.

This clearly represents a form of extortion on the part of Citi, so I feel a governing body should get involved. They should not be allowed to put consumers in this situation. The credits accumulated go towards everything to do with travel, mainly overseas. I don't do much traveling, and when I do, it's not with XXXX XXXX. We are XXXX XXXX who visit our children and grandkids in Texas via XXXX. 

I don't want their AAdvantage Platinum Select Card. However, more importantly, I don't want them to negatively impact my credit score. This shouldn't be allowed. They should let the card lay dormant and not bill me if I don't use it. This is an unfair business practice in my opinion. 

Should you need to reach me personally, I can be contacted at home at XXXX or on my cell at XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, Il. 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 2018-09-26
Company: Experian Information Solutions 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 is not a duplicate. Please read below. According to the FCRA, negative information in my credit file is subjected to a thorough investigation. Again, this information has not been verified to be true. 

In a previous complaint I disputed account XXXX which was a XXXX XXXX account financed through XXXX XXXX. I apologize for getting the account information incorrect. This account was paid and settled as the manager adjusted the price for the furniture like I said in previous statements.

However, the problem is with the account XXXX with XXXX XXXX XXXX financed through XXXX XXXX. This information is completely incorrect. I have asked the 3 credit reporting agencies to look into this matter and re-investigate and they have not. For some reason they keep sending me a credit card statement in the mail, however, they have not been able to provide substantial evidence that these purchases were made by me. Where is the original invoice with the items listed? I have no idea what was even purchased. I have yet to be provided with any supporting documentation that shows my signature or a promise to pay agreement with XXXX or XXXX XXXX XXXX. It is very discerning that XXXX would be allowed to report incorrect information to the 3 reporting credit agencies and sell it to a collection agency. 

In 2017, XXXX actually investigated and found this account to be incorrect and deleted from my credit report. Attached you will find a letter supporting this. Moreover, XXXX has not removed this account from my report. I am truly distraught by this negative information and the impact it is having on my credit file.

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 2022-09-01
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX has violated my rights. 

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

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 2018-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Attempted to validate alledged debt with XXXX XXXX Acct # XXXX with all 3 bredit bureaus and they failed to provide the proper validation documents requested. On top of that the information on the report in regards to the alledged debt is very incorrect. 

I can point out the the ORIGINAL CREDITOR was XXXX XXXX and it also states that the account is in collections with a collections agency. If that is the case, under the guidelines, the balance reported should be {$0.00} ; which it is not on the credit reports ( a snip is attached for you to review ). 

Also, a validation letter came from a company called XXXX XXXX who claims they now own the alledged debt. Also in the letter they provided a copy of the bill which states the amount due is only {$1700.00} and on the credit report it is different along with the amount that shows on their validation letter. None of this information matches up and the line item needs to be taken off immediately. 

XXXX XXXX or XXXX is a third-party debt collection agency based in Florida. XXXX has received consumer complaints alleging violations of the Fair Debt Collection Practices Act ( FDCPA ), including improper contact or sharing of information and threatening to take actions that can not legally be taken. 

As of XX/XX/2017, the XXXX XXXX XXXX reported 508 closed XXXX XXXX complaints over the previous few decades, including 231 closed complaints over the past 12 months. Nevertheless, the XXXX   provides XXXX an A+ rating. Additionally, XXXX lists 37 XXXX complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, eight alleging violations of the Fair Credit Reporting Act, and one alleging violations of the Telephone Consumer Protection 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 explanation
Consumer complaint received 2018-09-26
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by XXXX with XXXX XXXX and XXXX on XX/XX/XXXX at XXXX CST. The number she called from is XXXX. She left a voicemail stating there was a civil matter that their client had turned over to them. I called back the number and no one answered, only a message stating that the XXXX XXXX person I was trying to reach was unavailable. This morning, XX/XX/XXXX at XXXX CST XXXX called and thanked me for calling back. She confirmed my name and last four of my social, then stated that she had to put me through to the firm 's Senior Partner because she did not have access to my file. I was on hold, then greeted by XXXX XXXX who stated he was with XXXX XXXX and XXXX. He went on to tell me that GE Capital was one of his clients and there were outstanding balances for XXXX XXXX XXXX and XXXXXXXX XXXX. He stated the balances for the two accounts totaled {$3400.00} which included fees and interest. He stated they could remove the fees and interest which would bring the total to {$2800.00} or if I was able to pay a lump sum he could bring it down to {$2100.00}. I advised that I had never had those accounts in my personal name, but in a company name that I used to own which was long ago so I asked him the date of the debts. He stated that XXXX XXXX XXXX was from XXXX to XXXX and went to non payment in XXXX and that the dates for XXXXXXXX XXXX was the same. I advised him that I had stepped away from the company in XXXX and it was no longer in business and I was not in a financial position to pay the debt, therefore if the company chose to take legal action to do so. He said he needed to make me aware of the options, and stated that I would be served. He asked if I wanted to update my current address for said lawsuit to be serviced and I stated " No, you all can find me ''. I then searched the statute of limitations for credit card debt and discovered that it is 4 years from the past due date for a company to sue a consumer for credit card debt. Mr. XXXX ( er )? misrepresented the law in this matter. Although he and XXXX were both polite, it isn't acceptable or legal to threaten a lawsuit for an 8 year old debt, therefore I feel he needs to be reminded of his limitations as a debt collector.

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 2018-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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:
Capital One is furnishing inaccurate information related to 2 closed accounts. Here are three specific issues : 1 ) Capital One responded to previous complaint on 9/25, but did not provide any information related to my Savings Account.

2 ) I understand that Capital One can close an account for whatever reason they want but they have not addressed the Closure Status of the Account. It currently says 'Closed for Cause ' Savings account was not used with no transcations the in the last 4 months. Checking account was hardely used at all.

3 ) These are personal accounts not business accounts. Referring to this as a business checking is not correct. This is affecting the accuracy of my report as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
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: Information belongs to someone else

Complaint:
I noticed fraudulent account on my credit report that are reporting inaccurately. I called these companies to dispute but they never did anything. I even sent letters to them 3 weeks ago still no reply. Multiple debt collectors have contacted me which is violation of usc 15 I want proof that I signed for these accounts and i want proof that I owe any debt.

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 2021-03-03
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: Information belongs to someone else

Complaint:
Information is reporting on my XXXX XXXX  and Transunion reports as a result of identity theft. I have been contacting these agencies since XX/XX/2020 and information is not being removed.

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 2021-03-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Information is reporting on my Equifax, XXXX and XXXX reports as a result of identity theft. I have been contacting these agencies since XX/XX/2020 and information is not being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: TRUIST FINANCIAL CORPORATION
State: TX
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:
About a year ago around mid XXXX, I paid off my car loan early due to refinancing it with another company. I contacted suntrust to inquiry about my GAP refund due to the early payoff. I was advised over the phone that I was not eligible for a refund. Im not understanding how this is possible if my GAP was included in my total balance due/ payoff.

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 2015-06-05
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received a letter in the mail from Macys saying that a credit card that I have has added an authorized buyer. I do not have a credit card with Macys and the number on the letter was a recording asking me first for my account number which I do n't have and then my SS number, then it says account can not be found and the phone hangs up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: Experian Information Solutions 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:
" FINAL ATTEMPT TO RECTIFY THESE MATTER OUTSIDE CLASS ACTION EFFORT ''.

CEASE PULLING UNAUTHORIZED PROMO INQUIRIES FROM EXPERIAN CREDIT PROFILES, ESPECIALLY WHEN CONSUMER HAD OPTED-OUT. THIS IS A VIOLATIONS OF THE F.C.R.A. AND THE " DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. STOP DEFLECTING OUR ATTEMPTS USING CFPB PORTAL FOR YOU VIOLATE TITLE X.

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 2020-09-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
( 1 ) Attached First Qualified Written Request ( QWR ) 's item 7 required Select Portfolio Servicing ( SPS ) to prove its standing to collect Mortgage Payments. Without proving SPSs standing, SPS illegally accessed my Credit report under false pretext and invading my Pr ivacy under FCRA. ( 2 ) SPS is collecting money from me via the Escrow Account, yet refused to pay for Property Insurance that I have with XXXX XXXX, since 2002. 

This is the most corrupt company in US for servicing any mortgage loan by customers ' feedback. SPS 's main business goal is to " fradulently foreclose and seize people 's home ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Experian Information Solutions 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 information incorrect

Complaint:
I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the account with the inaccuracies.

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