BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: PA
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:
My credit report has false information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX IS CHANGING THE STATUS OF THIS ACCOUNT AS CLOSED ONE MONTH THEN OPENED THE FOLLOWING MONTH. SINCE XX/XX/2019 THE STATUS OF THIS ACCOUNT CHANGES EVERY OTHER MONTH OPENED/ CLOSED THEY PURPOSELY LIE TO THE 3 CREDIT REPORTING BEAREAUS. THIS IS DONE INTENTATIONALY ELECTRONICALLY. AFTER I MAKE DISPUTES TO THE 3 CREDIT BEAREAUS THEY MARK THEM AS CLOSED. THE FOLLOWING MONTH THEY ARE CHANGED BACK TO OPEN.THIS MUST END. THIS ACTIVITY IS ILLEGAL BY FEDERAL AND MARYLAND STATE LAW. AFTER 3 YEARS AFTER FIRST DELINQUENCY THE ACCOUNT IS OFFICIAL CLOSED AND YOU CAN NOT SUE OR SEEK A LEGAL REMEDY. I SENT THEM CEASE AND DESIST NOT TO CONTACT ME VIA US CERTIFIED MAIL AND RECEIVED GREEN RETURN 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 2020-07-22
Company: SYNCHRONY FINANCIAL
State: IL
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:
This complaint is filed against Synchrony Bank, which runs PayPal Credit. At the beginning of 2020, I filed a dispute with PayPal Credit regarding missing refunds. These refunds are in connection with an online HauteLook.com purchase from XX/XX/2020. I returned the merchandise I purchased, and received a return confirmation via email from XXXX. XXXX is a company owned by XXXX. I was assured that a partial credit had been processed onto my PayPal Credit account for : {$200.00}. Please see XXXX of the pdf documents I am submitting. I contacted XXXX XXXX requesting an additional credit for : {$5.00}. They agreed to issue that credit as a courtesy. When you add up the 2 credits, you get the full transaction amount : {$210.00}. Initially, Synchrony Bank ( or PayPal Credit XXXX issued a provisional credit. Later, in a letter dated XX/XX/2020, which I received in XXXX (! ), they told me that they were REVERSING the credit and that I would be responsible for the charge. Based on what!?! I provided INDISPUTABLE evidence that the merchandise was returned ( delivered to Return Center in XXXX XXXX, CA XXXX on XX/XX/2020 ) and also, as I indicated above, a copy of an email confirming that the main ( bigger ) credit had been issued. The question ( MYSTERY ) is : where is that credit and the other credit ( {$5.00} )? Why are they NOT appearing my PayPal Credit account? Who's doing what? Whoever reviewed my dispute at Synchrony Bank should be fired or demoted! I will NOT be paying for that charge. It is Synchrony Bank 's responsibility to straighten this out with the merchant! I made several attempts to do that myself. I recently even emailed the Disputes Team at XXXX but I still have not heard from them. In any event, I've furnished ENOUGH documentation in support of my claim for a chargeback to be permanently initiated. FYI, the PayPal Credit account in question ends in : 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 monetary relief
Consumer complaint received 2018-12-27
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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:
When I checked my credit record, I discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX An
account showing to be 120 days late is already a charge off account with accordance to Federal Reserve and Federal Insurance Act. However, I see here that this account is continuously marked as 120 days late. I believe that this account is erroneously reporting. Please investigate the way this account reports and update all lates to reflect correct status immediately. Regards.

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 2019-07-17
Company: Duncan Solutions, lnc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter forwarded from a very old address for me stating I owed them money for a XXXX  toll bill.

I pay my tolls through a TX tag that is linked to the XXXX system and I do not owe the XXXX any money.

On XX/XX/2019 I faxed a request for them to validate the debt and a cease and desist letter ( attached ).

They never responded with a validation.

This morning, XX/XX/2019, they have called me over 30 times as of XXXX XXXX claiming they are collecting on the debt. A few times there has been more than one person on the phone and they pretend like they can not hear me.

This tactic is clearly meant to harass me and is in clear violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Halsted Financial Services, LLC.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hasted financial services has been harassing me by continuing to send mail saying I owe them a debt I told them it was fraud and that I do not owe them anything .I continue to ignore them after explaining the situation I am asking that they pull or produce the original bill and they will see that I do not owe them any money I am sick of the harassing letters they are depressing me with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: OH
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 my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is a Follow up to my complaint last XX/XX/XXXX, XXXXto update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$10000.00}

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 non-monetary relief
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: OH
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Hillcrest Davidson & Associates
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, I contacted XXXX  to request an alarm system be installed in an income property that I own ( vacant rehab project intended for resale ). 
I specifically asked the company if they were XXXX and they told me that they were. I also went into great detail with the person I spoke with and explained that I had no intention of keeping the property. I only wanted the alarm to serve as a protection for me since the home was under rehab with the intent to resale it. I was assured that my request would be met and there would be no problem in cancelling my contract or transferring my contract. I proceeded with the installation and the contract. No copy was provided to me by the company, who I continued to believe was XXXX. I was told that the contract would be emailed to me. I was also set up on automatic each payments which began immediately under the name " XXXX ''. I had no reason to believe that this was not XXXX. After 3 months passed ( XX/XX/XXXX ), the home was complete and I had a buyer who was willing to assume the payment plan on the alarm system. I contacted the phone number to XXXX that was on my online account log in with XXXX. I was told that transferring was no problem at all and proceeded with the transfer. I was told by ADT that they could not give me anything in writing stating the transfer, but the way that I would know that it was success full is 3 things would occur : 1. The my monthly payment automatic drafts to my account would stop 2. I would no longer be able to log in under my account online 3. My account number would remain the same, but under the new buyer 's name if I were to call in to the customer service number. 
ALL OF THESE THINGS HAPPENED, as I was told. 
Unbenounced to me, yesterday, XX/XX/XXXX I received a phone call from an attorney/ collection agency stating that I was being reported for non payment by a company named XXXX XXXXXXXX XXXX XXXX. I was SHOCKED! I immediately began researching everything, only to realize my worst fear that I had been deceived. That the alarm contract was never with XXXX, it was with a 3rd party who represented themselves falsely to be XXXX and that even though I have successfully transferred my monitoring, this 3rd party was still holding me hostage for the remaining 19 months of my 24 month contract with XXXX. I researched the company " XXXX '' who I have never even heard of and found out that they scam people all the time under the guise of XXXX and I was even able to locate over 350 complaints on yelp of the same exact scam that I was now finding myself to be a part of. It is my hope to begin a Class Action Lawsuit, as so many people have been victimized by XXXX XXXXXXXX XXXX XXXX XXXX. I need help, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/XXXX I applied for a new Capital One Venture Credit Card that offered a 0 % balance transfer offer. When I received the card I tried to transfer a balance to the new credit card and was told by the representative that the card I received did not have the 0 % balance transfer offer and a balance transfer would have 20 % interest. I then asked for it to be corrected. The representative told me that they could not correct it. I then told them that I would be reporting this fraudulent offer to Consumer Protection Agency and asked to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Chime Financial Inc
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Friday, XX/XX/XXXX, I was charge for out of network fees while using an in network atm. I was charged {$2.00} twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 recently applied for three different credit cards. I was denied on all three and really could not understand the reason behind it. I knew my credit was good and there was no way. I then pulled my credit report and saw an outrageous list of accounts that do not belong to me. I have never seen these accounts please delete these accounts from my 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 explanation
Consumer complaint received 2018-05-19
Company: Central Portfolio Control Inc.
State: WA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been paying XXXX for a private student loan since XX/XX/XXXX and on XX/XX/XXXX centeral portfolio control sent me a statement stating I owed them the original 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 2020-05-06
Company: Experian Information Solutions Inc.
State: AR
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:
l received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$4400.00} XXXX XXXX {$18000.00} XXXX   XXXX {$280.00}

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 2022-11-15
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:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXr XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$1800.00} ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/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 2021-10-06
Company: EQUIFAX, INC.
State: VA
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/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS ATTACHED HAS BEEN HARMING MY CREDIT FILE AND CAUSING SERIOUS DAMAGE TO THE THREE REPORTING BUREAUS. I HAVE ATTACHED A REPORTING WITH THE DEROGATORIES THAT NEEDS TO BE REMOVED OFF MY CREDIT FILE. IT HAS BEEN HARD TO ACQUIRE NEW CREDIT WITH SO MANY INACCURATE REPORTINGS ON MY CREDIT FILE. PLEASE INVESTIGATE AND HAVE THOSE ACCOUNTS REMOVED OFFMY 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 2023-04-01
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
Yes, I have historical notes on this one with the company and on here but NAVIENT took an additional payment of {$300.00} from me in XXXX  and it was never recovered or applied to my account correctly. They have never recovered my money and continues to harass myself my cosigner ( XXXX ) for payments most times after I have already made a payment. I would like to see a ledger in case I am in fact wrong and recently asked for one and I hav n't seen it in the mail yet. I have continued to pay since XXXX  regardless. That payment has not been recovered and the balance has not decreased. I have even asked for a full account ledger. My cosigner also said that you took money from him for a consolidation program .... ummmm what? What are you talking about consolidation program? Those loans should all be paid at one time via one payment that's the only consolidation I know of. Please explain my payment history and the credits to my account from XXXX. We don't want to talk you guys either but I would personally like to go over my ledger and apply credits or adjustments to my account and our credit reports as needed. Thanks.

Company response to consumer: Closed with explanation