BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XX/XX/2015 a account by XXXX XXXX XXXX XXXX XXXX was attached to my credit in the amount of {$7000.00} for a auto loan that a family memeber ( s ) used my identity fraudulently to add me as a co-signer for this vehicle. I never agreed to this nor did I sign anything. The family member ( s ) withheld all information regarding this account from me until an inquiry on my credit revealed it to me just 30 days ago I attempted to have the item removed but it was unsuccessful. I reached out to the company and was to yo file an complaint here.

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 2018-02-13
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account reflects the wrong amount. The account was opened and closed within less than 1 month so how can my bill be {$690.00}. XXXX XXXX tried to over bill me for service that they never provided. This account was opened some time in 2012. It's over 6 years old.

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 2019-11-05
Company: Alliance Collection Agencies, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company had incorrect contact information for me. wrong address and contact number. I never had my initial window of notification of this debt. when I reached out to them due to running my credit is how I found out this debt existed. They were vague, the amount was XXXX dollars as the amount I had paid already to XXXX they also added that I owe another XXXX dollars now the total is XXXX dollars. When told I should know that I owe this debt to XXXX I told them I already paid several amounts to XXXX. They continued to tell me that it could be the same amount to another provider for the same date. This is not enough to prove that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX shares of XXXX were stolen via XXXX network at XXXX XXXX MST on XX/XX/2023 to unknown digital wallet XXXX The Coinbase account was locked immediately. 

Coinbase was phoned immediately. The account was verified over the phone. Instructions were given to immediately liquidate the remaining account value and return to verified funding source. Coinbase has not honored the request. 

Report filed to FBI

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: AZ
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 ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. 

I've attached my driver 's license and proof of current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was offerred 0 % interest for six months with Pay Pay Credit. I read all terms and conditions and called the company to find out how the promotion worked. I was assured so long as I paid in full by six months there would be no interest. Now I am getting interest charges despite it only being two months. I called the company and they said they were considering the transactions " cash advances '' even though I selected " paypal credit '' when paying for the goods or services. They referred me to several sections in their terms and conditions, none of which are easily determined to relate to the 0 % interest promotion. 

This is deceptive marketing and a deceptive promotion.

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 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Good Evening ; I was going through my credit the other day and noticed a hard inquiry from a local dealership in MA that i never applied for or even step into any of those dealerships. I immediately called the dealership after XXXX XXXX  and got routed to Sales Manager of XXXX located in XXXX MA, and he said that he doesn't see any record in his system but he said that it might be his sister store in XXXX. He said that he will reach out to them to get this resolved. My credit has been compromised and I haven't been looking for a vehicle for over 5 years. Again, i didn't authorize this and this is a breach of my personal privacy and want this removed immediately from my credit report. 
( XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX, MA XXXX Auto loan. )

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 2018-05-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/XXXX I was sent an Installment Loan Final Payment Notice stating a final balance due on my auto loan with Fifth Third Bank of {$830.00}. We expected to owe no more than a few hundred. This total was a shock.

After receiving the notice on Saturday XX/XX/XXXX, I called the customer care number of XXXX first think Monday morning, XX/XX/XXXX. I spoke first with XXXX, then escalated to XXXX in customer care.

They explained that 19 late charges ( each a ~ {$27.00} fee ) had added up over the life of the loan.

All they could do was reverse two charges. Yet, after a detailed account inquiry with them, I am formally submitting a complaint for these reasons : - I was never alerted we owed any late fees - We paid every single payment using the coupon book - We always mailed payment to the Bank prior to XXXX  of monthlast day of grace period - On a few occasions when we knew we missed grace period, we included an additional {$30.00} late fee - We were given no way to have the Bank waive the additional fees, but instead were told regulators do not allow banks to work flexibly with people in these situations for fear of favoritism ( my words ) We owed {$300.00} but now still are expected to pay {$830.00}, though we paid every coupon payment in full. This is not acceptable.

Please note that Fifth Third sent me this notice on XX/XX/XXXX and I did not receive in the mail until XX/XX/XXXX.

I sent in all my payments in the mail with postmark before the end of the grace period. Yet I am penalized for mail delays we see so common, even from the Bank sending this notice to me.

The Bank told me todayfor the first timethat I had 19 late payments for this exact reason. I have had a sterling credit history and do not make late payments as a pattern. I thought all along I was playing by the rules and was never told otherwise, until the shock of a lump sum final payment hit, with no reasonable options to sort it out without having the escalate to the Federal Government ( CFPB ).

Had the Bank alerted me each time I had a late fee charged for this reason, I would have paid it right away and known not to postmark by the XXXX, but by the XXXX. By extending consumers a grace period ( to the XXXX, in my case ) but then penalizing them for not having received the payment by the grace period date, it is no grace period. It is another way for the Bank to take advantage of its power position in the situation.

Yet, the Bank Personnel I spoke with were fantastic and understanding. Community banking practices would have allowed them to remove the fees. Regulating these practices out of our system may feel more fair, but it is actually harmful and slow. The bank should be able to remove these fees after a simple inquiry on its own, without me having to resort to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Resurgent Capital Services L.P.
State: CA
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:
These are not my accounts. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My personal information is incorrect with Equifax, XXXX, and XXXX. They all have inaccurate personal information on my credit report, such as name, account number & address and telephone numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: COMMERCE BANK
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Hello. On Saturday XX/XX/XXXX I noticed money miss for the XXXX time. I had {$9.00} on the card, then added {$75.00}. But the available balance said I had {$68.00} available. I printed all my statements from the day I opened it on XX/XX/2023. I added up all the debits and all the deposits. There was {$73.00} missing from the card. I went to the bank branch to find out what they could do but since money was missing and it wasn't a specific transaction, they told me they would have to charge {$20.00} an hour to investigate it. I noticed money missing in XXXX, XXXX, XXXX, and another time in XXXX. The bank also printed out all my statements and I added it up there for them ; proving that money was indeed missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Why are you disputing RESURGENT/LVNV FUNDING? 
Other reason Use this reason if none of the available dispute reasons describes your situation. To submit your dispute, you must enter an explanation that specifies why you believe the information is inaccurate. 

back button Reason and details Add a Comment Add more detail to your dispute109/210 characters LVNV never surrendered proof off fees and never sent any supporting legal documents with company letter head. 
back buttonReason and details Do you believe this information appearing on your Credit Report may be a result of identity theft? 

back buttonChange Dispute Reason If you believe that this information appears on your Credit Report as a result of identity theft, contact us by phone immediately. 
Report # : XXXX XXXX Mon - Fri : XXXX - XXXX back button Reason and details back buttonReason and details General Account Info Report Number : XXXX Date Generated : XXXX XXXX, XXXX Account NameRESURGENT/LVNV FUNDING Account NumberXXXX Account TypeDebt Buyer ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$1300.00} past due as of XXXX XXXX. 
Status UpdatedXX/XX/XXXX Balance {$1300.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$1300.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
The company closed the credit card and I reported I missed my wallet with the card, the card was used, and Capital one reported in my credit report the incorrect balance for somebody used my card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Synovus Bank
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023 I, XXXX XXXX, mailed First Progress a notice informing them that pursuant to the Gramm Leach Bliley Act I am exercising my right to opt out of my information being shared and I no longer wish for my nonpublic information to be shared with XXXX. On XX/XX/2023, I mailed XXXX a copy of notice that was mailed to First Progress along with a notice specifically for XXXX informing them that pursuant to the Gramm Leach Bliley Act I no longer wished for my nonpublic information to be shared. First Progress blatantly disregarded my request and did not respond to my notice. However XXXX did an alleged investigation and responded stating that the information on my consumer report was verified as accurate. A financial institution such as First Progress must respect a consumer right to privacy and cease disclosing personal nonpublic information when they receive a notice from a consumer choosing to no longer share private information. XXXX has a duty to also respect a consumer 's right to privacy. I did not send First Progress or XXXX a notice disputing an inaccuracy, however I did notify both companies that I am opting out of my NPI being shared and both companies disregarded my request by responding stating that my nonpublic information was verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: F&M Capital LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A person called my x-father-in-law 's home several times looking for me. They left a message on his home phone stating that it was very important that they speak with me and would he give me the message. They said they were calling from " XXXX XXXXXXXX XXXX '' and to call them back at XXXX. They also left a number, an account number maybe, of XXXX. The person who left the message was very bad English and it was difficult to get this information. Please note that I have never given my x-father-in-laws name or number to anyone as a reference so they had to look me up online to see people associated with me in my lifetime. I called on the weekend with no-answer. I just called again and the person who answered the phone didn't even give the name of the company, I had to ask him for it. The way that he answered the phone and conducted himself was very suspicious ; not like a legitimate company. 
He said it was XXXX XXXXXXXX. Then I asked him who was XXXX XXXXXXXX and he said it's a compliance company. Then I asked what kind of company it was and he said it was a legal firm and that one of their legal representatives must have tried to contact me. He did have my date of birth on record and didn't ask for my social security number - I wouldn't have given it to them anyway. He then said he would get someone to speak with me and left me on hold for quite some time so since I'm at work, I hung up. I see online that many people have been contacted by an F & M Capital and they have used abusive language and/or tried to collect what appears to be fraudulent funds from individuals. I think may be linked to a previous complaint of mine to CFPB for XXXX who stopped calling me after you got involved. If this company says that they are attempting to collect on behalf of XXXX XXXX XXXX, who I placed with a debt settlement company several years ago, that is a lie because I've contact XXXX twice and they are not collecting anything from me, do not know who these other people are and do not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: Bread Financial Holdings, 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: Investigation took more than 30 days

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes

Complaint:
received notice that someone ordered a credit report. it was bank of america. someone applied for and opened a credit card in my name. it has been closed and a fraud statement issued, bank of america said i could be told how that application was made but after 7 phone transfers i do not have that info. i NEED to know if it was an online application, phone request or mail in so i can determine the extent of this 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 non-monetary relief
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2023, after noticing several inaccuracies on my credit report, I contacted XXXX  ( the data furnisher ) in writing via XXXX  certified mail stating that my credit report contained numerous inaccuracies and requested all supporting documentation for the accounts listed on my credit report in accordance with the Fair Credit Reporting Act ( See Exhibit A : Original Dispute Letter to XXXX on XX/XX/2023 ). On XX/XX/2023, after over 90 days of no response as required by law, I sent a second request for debt validation and dispute letter exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section 609 that states consumers are entitled to all information related to tradelines listed on their credit reports and the source documentation of all information including original credit applications and contracts. ( See Exhibit B : Second Dispute Letter to XXXX on XX/XX/2023 ). I sent a third and final letter on XX/XX/2023 ( See Exhibit C : Demand Letter to XXXX XX/XX/2023 ). As of today, XXXX has failed to comply with my requests as required by law in accordance with the Fair Credit Reporting 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 non-monetary relief
Consumer complaint received 2020-11-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX has been XXXXischarged previously and post discharged inform not reflected on my credit report.

The post discharged has been going on for over three years now.

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 2023-06-29
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this tem is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please delete this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief