BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-17
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10
Company: BARCLAYS BANK DELAWARE
State: CO
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX XXXX  add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, BARCLAYS BANK DELAWARE add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX  add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-10-27
Company: RIA FINANCIAL
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
I do not have a checking account. However because of XXXX I cant make any finance transactions at XXXX. Such as pick up money send money or cash a simple money order. Why is this happening when I never cash checks. My own father sent me a money order because XXXX wouldn't let me use money gram but when I try to cash this money order they refused to complete this transaction. They said XXXX declined my transaction and it is a permenant decision. But they are unable to tell me why XXXX made this decision about me. I need this correction on my name its degrading because I am not a criminal. I feel very violated

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Lien Enforcement Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a demand letter from Lien Enforcement, Inc. in the amount of $XXXX.The letter states the fee is for towing and storage fees of a company named XXXX XXXX XXXX XXXX.   I am disputing, refusing, rejecting, this demanded a debt amount of $XXXX.  The debt of $XXXX dollars does not belong to me and I will not pay the requested amount.  I never contracted with XXXX XXXX XXXX. for towing and storage services.  I never signed or made any verbal contracting with XXXX XXXX for towing or storage services.  I will be filing a complaint with the Internal Revenue Service to have XXXX XXXX XXXX XXXX. and Lien Enforcement Inc. investigated and audited for fraudulent Lien Sale proceed collections.  I suspect hundreds of other innocent consumers have been a victim of this fraud. In addition, I will be contacting the Federal Bureau of Investigation informing them of the corruption of these two criminal organizations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
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:
XX/XX/15 I use XXXX  XXXX to purchase a couch. The couch was paid off yet I see on my report that the account was part of a bankruptcy. Ive never filed for bankruptcy in my life. Please have this removed from my account. Thank you

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 2021-10-07
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
These Companies pulled my credit file fraudulently and cause false Inquiries on my credit report account. I have contacted these Individual companies personally and ask them to contact the reporting agency and remove the Inquiries. XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX via XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX , XXXX , XXXX, Experian

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 2021-04-25
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: Public record information inaccurate

Complaint:
There are a number of traffic court violations listed on my credit report incorrectly. The few traffic court cases I've had have all been resolved by paying fines and never resulted in any criminal charges for speeding. Why are these still listed in my credit report? The fines have been paid and the traffic violations should be off my record in each credit report? They happened years ago. 

The only loan open right now for me is a XXXX XXXX that I've refinanced. the approximately {$10000.00} I have left when I refinanced is only a fraction of the over {$80000.00} that I initially started paying off over ten years ago when I graduated from college and began working full time. Therefore it is incorrect for my credit score to say that I have only paid off 15 % of my initial balance. I have paid off over 80 %.

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 2021-02-03
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Amazon Synchrony bank was notified in XX/XX/XXXX of charges on my Amazon credit card. 
The charges on account totaled {$420.00}. 
I had not used the Amazon card for two years. I should have a XXXX balance. It showed six separate charges showing books purchased every week in XX/XX/XXXX. 
Synchrony bank said we will show fraud and cancel card. We will send you a replacement. Not to worry. 

Well they have denied my claim and show I owe the total. 
I have called Synchrony bank since XX/XX/XXXX to XX/XX/XXXX. 
I sent copy of orders with information on the account to support the fraud and display the tracking numbers displaying other addresses, all addresses were XXXX XXXX, Georgia. 

I sent the bank police report case number dated XX/XX/XXXX. It was determined the package delivered was not my address and not books. The recipient was contacted. 

Synchrony send letter of denial XX/XX/XXXX. 

I have appealed their decision with supporting documents and as of today, still declined. 


I never ordered books and I never charged anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX  4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX 10. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Fay Servicing, LLC
State: KY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Bankruptcy discharged without refirmation. Then transferred to Fays Servicing, failed modification. Relocation check, then Redress check for {$150.00}. Now IRS bill for {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: EQUIFAX, INC.
State: LA
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:
During the loan I had late payments as I got near to paying off loan I requested that late payments be updated in agreement with paying loan off early. XXXX XXXX representive agreed to update my account status but informed me that it would take 30 days. I agreed for payment to post to pay of account XXXX XXXX 2017. I currently applied to pre qualify for a home loan and was informed that late payment was still on credit report. At this time I contacted XXXX XXXX and have received the worst service which I feel its because I do not have a open account being transferred from person to person being placed on hold for extended periods of time on several occasions from XXXX 2017 to XXXX XXXX 2017 DAILY. This company has provided me with the worst service and refuse to honor agreement 1. Because I am no longer a customer ( But offered to consider removal if I was applying for another home loan through XXXX XXXX ). 2. I 'm a XXXX XXXX Veterans that suffers with XXXX, XXXX XXXX and other XXXX XXXX which is triggered when I 'm spoken to aggressively which the representative have done repeatedly. 3. As a XXXX XXXX XXXX they show no concern for anything i have to say but I have listen to them talk to other XXXX customers and they are very respectful and courteous. I continue to ask that my late late payments be removed as agreed upon and honor my request quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was helped in the emergenecy room on XX/XX/XXXX by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX I have insurance and recieved a bill from them after insurance paid their part. The bill was paid in full in XX/XX/XXXX, but I recently found out they sent me another bill in XX/XX/XXXX or XX/XX/XXXX and i no longer lived at that residence and never recieved a bill. I found all of this out on XX/XX/XXXX and contacted the emergency room provider XXXX XXXX and was told my bill was in collections. I asked the person who helped me over the phone if they could let me pay the bill i never received of XXXX cents. So now I have a collection on my name from transworld systems, XXXX XXXX, XXXX, de,XXXX. I have a collection on my credit now and would like to know what process i can take to remove this collection off my credit as ive already paid the debt to the medical office i never received a bill from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
BBT securities exchange [ bank ] has admitted to paying a XXXX balance? can they show me with clarity how this was done? did they get paid first by beareu of fiscal services US treasury? or did they discharge it to my social security TRUST ESTATE ACCOUNT of which they are acting as custodial trustees behind my back, well at least we know now there are 2 ledgers they are keeping and full disclosure was not given to me because thier ledger is a secret, well i know all about the fraud and trix, theres no original instrument of indebtedness because they sold it, and after 90 days all negative balances are paid by insurance, they never tell you that, BECAUSE THE BANXTSERS ARE ALL XXXX XXXX LIAR THIEF CRIMINAL MISCREANTS, THEY STEAL FROM EVERYBODY ALL THE TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Terrill Outsourcing Group
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received phone call from XXXX with XXXX XXXX XXXX  XXXX stating that her company bought my original debt from XXXXXXXX XXXX  and I owed XXXX. I set up payment arrangement ( XXXX on XX/XX/XXXX ) and 75 monthly payments since that date. In XX/XX/XXXX I received a letter from superlative RM ( SRM ) XXXX stating that their company bought my debt and I owe them XXXX I then asked XXXX from XXXX XXXX XXXX  to please send me proof of debt which she only offered to do in an email. 

XXXX proof of debt included the whole account number XXXX amount owed is XXXX states that original creditor is XXXX XXXX XXXX XXXX ( the actual creditor is XXXX XXXX  not XXXX ( thats just where I bought the couch ) also the debt letter email has my old address not miss you current one. 

SRM proof of debt letter has only the last four digits of the account XXXX, states I owe XXXX states original creditor is XXXX  and merchant is XXXX XXXX XXXX XXXX. Debt letter has my correct address. Their debt letter also explains that if I contact them within 30 day in writing they will send me verification of the debt or a judgement against me. XXXX email does not state that. 

If SRM is in fact who I owe the money to then what happens to all the money that I paid XXXX XXXX on this account? 

I am unsure of which company to pay or if the debt was double sold? I am unsure who actually owns the debt and have tried calling XXXX  for help on who they sold the debt to but they state that there is no account with them at all? I need help before it goes on my credit report, and help getting my money back if I have been paying to wrong company. 
Thank you for your assistance Please help, Thank you XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Last year, I began pulling my own credit reports to make sure they were accurate. There were various errors across all 3 reports. Most of the major inaccuracies have been resolved except for these 2 pronounced issues regarding the Date of First Delinquency.

One account, is in collections with XXXX XXXX ( a credit card debt for XXXX XXXX ), and the other XXXX XXXX, has been paid in full after charge off and closed. For both of these accounts, I asked all 3 credit bureaus to provide me with my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date, and the name of the original furnisher who reported the date of first delinquency. 

I did not receive the requested information, instead TransUnion moved the XXXX deletion date from XXXX to XXXX Experian is still reporting XXXX and told me I need additional relevant information to support my claim for both accounts. I was not submitting a dispute, I only wanted the date of first delinquency and who reported it. To be fair, no response has been received from XXXX  as they still have time to respond. However, at at this point, with 2 incorrect and different dates, it tells me the XXXX date/account can not be verified, and the account has been re-aged. It doesn't really matter what XXXX   states if the other 2 conflict. And as for XXXX XXXX, there is no deletion date and no indication of the first date of delinquency, which is odd. Also, I've never been contacted from XXXX about this debt, but as a 2nd step would seek debt validation. 

I only wanted to obtain my consumer disclosure file to review for accuracy. In the past, my identity was stolen and it took several years to get the thief 's profile deleted from my credit reports ( her social, name, address, phone numbers, accounts, etc. ), and I had to hire an attorney to finally clear my name. So, please understand, I take my credit reports seriously and I want all information reported about in it to be accurate. Since I have not been granted access to the Date of First Delinquency to understand when these accounts were allegedly first reported as seriously past due, I am writing the CFPB.

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 2020-05-04
Company: Experian Information Solutions Inc.
State: TX
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:
ftc violations XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX 3000 inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting all the violations with experian

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 2020-10-27
Company: Experian Information Solutions Inc.
State: TX
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 received an alert from Experian a few weeks ago that a collection item was added to my report but when I try to file a dispute online I receive a response telling me that I must call them ( Experian ) to dispute but when I call them, no one answers. Every number they provide is automated and no one ever picks up the call which is very frustrating and Im being denied credit because of the error on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have recently reviewed a copy of my credit report. I am concerned because there was 2 inquiries by Equifax that i do NOT recall authorizing.XXXX XXXX- Inquiry from XX/XX/XXXXXXXX XXXX- Inquiry from XX/XX/XXXXIt is my understanding that you can only make an inquiry to see my credit report if i authorize it. I would like for you to remove this unauthorized inquiries for it is negatively affecting my credit score. Please send me conformation that this has been done.

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

Complaint:
I've been disputing fraud account on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The account is showing in dispute nor is it removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the account to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Experian Information Solutions Inc.
State: IN
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate ad unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate the items within 30 days 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 XXXX  data breach and may have got into the hands of the wrong person

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