BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
Company: Experian Information Solutions 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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Social Finance, Inc.
State: GA
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:
As of this writing I have been dealing with the underlying company Sofi Lending Corp since XXXX..I have contacted this company in reference to this account which was open XX/XX/XXXX, XXXXThis account was blocked back In XXXX due to FTC identity theft report and local police report in my state..However, as of XX/XX/XXXX it has been reinserted back on my credit file after nearly 5 years later..I contacted the three major credit reporting agencies XXXX, XXXX, and XXXX and was told this company Sofi has reinserted there company name on my credit file as of XXXX XXXX..I have sent theft report back in XXXX when I first discovered this company name on my credit file in the amount of XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XX/XX/XXXX  - Account application was submitted online through promotion web page at https : //www.citizensbank.comXXXX XX/XX/XXXX  - Received account opening email advising account was activated and ready for use XX/XX/ - {$500.00} XXXX received from employer to meet Direct Deposit requirement of terms. 

XX/XX/2023 - Did not receive promotional bonus as advertised on webpage in disclosures at bottom XX/XX/2023 - Called customer service at XXXX in order to ask about promotion. Spoke to a customer representative who stated the promotion explicitly said account had to be opened from XXXX for that promotion. Asked to speak to a manager and the manager repeated the same information, that the account opening/application was outside of the promotion dates. 

The promotion eligibility states " To Earn Bonus : To earn a {$300.00} bonus, open your first new personal checking account between XX/XX/2023 and XX/XX/2023 and have at least one single direct deposit of {$500.00} or more post to your new checking account within 60 days of account opening. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-11
Company: National Credit Adjusters, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon checking my credit I noticed that this collection had been added to my report! I have never heard of this debt collector. I have not been contacted or notified of any debt that has been listed with this company. They sent me no correspondence advising that they own the debt, who the creditor was nor advised of my option to dispute the debt. I called the company 8 times within the last 60 days. ( Calls were recorded )! To find out more information and to dispute the account. I was transferred amongst departments, no information was given. They attempted to fraudulently ask other questions not pertaining to the debt like if I'd moved in the last 12 months, what my previous phone numbers were, if I'd used any other name variations besides my actual name, if I've married or divorced any aliases I might have used and other unprofessional questions rather than just to advise me what the debt was for. I felt insulted and harassed. The Fair Debt Collection Practices Act states that a debt collector must send the consumer a written notice containing the amount of the debt, name of the creditor and a statement stating they have 30 days to dispute the validity of the debt or the debt will be considered valid by the debt collector. Failure by the consumer to dispute the debt within that 30-day time period is not considered an admission of liability. If the agency doesn't follow this process then they have no rights or grounds to collect or report the debt to any credit bureaus and must immediately remove the debt from the consumers credit report. The company didn't contact me within 30 days of assuming the debt and has therefore violated my rights so this needs to be removed from all 3 credit bureaus! I do NOT give the company permission to contact me via telephone, an employer, email or any other means except by US Mail. I have never done business with a company called National Credit Adjustors L.L.C nor have I ever signed a contract with them so this debt is fraudulent and frivolous. It needs to be deleted effectively immediately with all major credit bureaus. No collection agency can report past due balances, dates of past due balances or payment history. This company has violated several FCRA regulations. Delete immediately or I will contact my attorney to proceed with legal action. This account does not belong to me! I have no idea who this company is. Delete any and all of my contact information effective immediately. DO NOT ATTEMPT TO EMAIL ME! DO NOT ATTEMPT TO CALL ME! DO NOT ATTEMPT TO CALL RELATIVES! DO NOT ATTEMPT TO REACH AN EMPLOYER! SEND ALL CORRESPONDENCE AND PROOF OF DELETION TO MY MAILING ADDRESS ONLY! DO NOT ATTEMPT TO CONTACT ME OR ANY OF MY FAMILY MEMBERS VIA TELEPHONE, EMAIL OR EMPLOYER!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: Second Round Limited Partnership, Austin, TX Branch
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am clearly a victim of retaliation except my credit report is taking the hit. I made a flow up report to XXXX XXXX about the XXXX dealer that sold me a car XX/XX/2012. The bankruptcy court and attorney advised I had to return the car because the court did not approve. The dealership lied. The car was returned a few months later in XX/XX/2012. After filing a complaint on XXXX and XXXX and XXXX. XXXX allowed a company called Second Round in XXXX Texas to list this as a new collection item which drop my score 71 points. At what point to I have a regulatory advocate that stands up for my rights. I am victmiized over and over. I can only think it is all tied to my complaints on the ther major companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On ( date ) I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not revived a response yet. I feel that I am being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these 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 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
Consumer complaint received 2020-12-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On ( date ) I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not revived a response yet. I feel that I am being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these 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 equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The account is not my account and I have never had any business with Enhanced Recovery/XXXX. 
I sent a letter regarding a debt collection attempt for Enhanced Recovery/XXXX indicating that I owe a debt that is not mine. I sent a letter dated advising that the debt was not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that I have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a signature and state issued ID validating that I authorized this account. I have attached a copy of my ID Theft report and letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Someone sent a check from XXXX to buy shies he sent more money than expected of XXXX and let me send the money to a shipping company through XXXX so i sent the XXXX through XXXX once i learned it was a scam i reported it to the bank wothin two business days as per eft act i am not liable for anything as i reported it within 2 business days im struggling right now die to covid hope this gets resolved i have the email address to whom i sent through XXXX the check and dates and address of where he shopped the check. Sent it through bank of america app and already got a response that they cant do nothing

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 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX  XXXX XXXX Bankruptcy XXXX XXXXXXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX  XXXX XXXX Bankruptcy XXXX XXXX XXXX, has violated my rights. 

15 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 non-monetary relief
Consumer complaint received 2023-04-19
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:
While reviewing an updated copy of my credit report, I discovered that an account not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2023-04-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly delete the following : XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: NJ
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 
15 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 2018-03-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
My issue is with my Wal-Mart card thur synchrony bank. The last time I used the card was in XX/XX/XXXX at a gas station however someone fraudulantly made two charges around XX/XX/XXXX both for XXXX $ and also fraudulantly made a payment over {$800.00} it took me until XX/XX/XXXX to get this resolved some how the fraudsters were able to change my address order a new card and increase the credit line. I first notice this issue on credit karma and when dealing with synchrony was even advised that was I sure I hadn't made a XXXX $ payment because fraudsters don't usually do that. You can see from my payment history I have never shopped at the store in question or made that type of payment. Now it is XX/XX/XXXX And this is happening all over again. There are two new fraudulent charges both for XXXX $ synchrony says they have no record of me sending in the documentation to resolve the first fraud case and will no discuss the matter until I mail personal documention which I am apprehensive about sending due to their issues with my privacy.

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 2018-03-03
Company: Experian Information Solutions Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Experian and XXXX are reporting that I owe tax liens that are incorrect. I have disputed these items with the Credit Agencies.

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 2021-01-26
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Good afternoon ; My name is XXXX XXXX. I applied for a store credit card from XXXX XXXX XXXX XXXX XXXX XXXX. I bought an engagement ring. I paid cash for the setting on XX/XX/2020, in the amount of {$1700.00}. I applied for financing that night. The financing was through Comenity Bank. I was told I would receive a letter in the mail with instructions in 5 to 7 business days which I did. The letter indicated to bring in my w-2, a utility bill, drivers license and social security card which I did on XX/XX/2020. I had already paid {$880.00} as a deposit to have selected diamond sent to the store. Once I confirmed the diamond I gave another cash payment of XXXX on XX/XX/2020, bringing the balance to {$5000.00} for a diamond that cost {$7800.00}. ( Included tax ). So at that point I was going to take the financing being my credit score is over 700, 28 % debt to income ratio. Comenity bank stated in the letter to send my drivers license, social security card, utility bill and w-2 to a PO Box without a tracking number because there would be no one at a PO Box can sign for it. We called customer service who told us we can only send the Information to a PO Box . They refused to take the information by fax and do not have a secured website or portal to upload my personal and private information to. I was appalled being a licensed MLO. It is my understanding any business handling personal and private information such as social security numbers must have a secured portal to upload documents or a fax to receive the incoming items such as social security numbersdrivers license. I do not believe sending personal and private information unsecured is acceptable in any way. At that point I chose not to work Comenity Bank and feel this should be looked into to help avoid any type of fraud. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
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: Investigation took more than 30 days

Complaint:
This is the 3rd time I've had to address my XXXX XXXX account about errors in reporting my account to the credit reporting agencies. The latest inquiry was sent directly to XXXX on XX/XX/XXXX and an acknowledgement email was sent and received on XX/XX/XXXX with Reference number : XXXX XXXX In the request for investigation I included two attached copies of the Trans Union report where it shows my XXXX XXXX account reporting adversely and incorrectly. I included the dates this error was made previously and subsequently corrected however the letter I received today XX/XX/XXXX doesn't acknowledge the evidence or the reason for the investigation and reads as if it is unwilling or unable to process the simple request. I have never ever been late or missed a payment since I got the mortgage in XX/XX/XXXX and the credit reporting does not reflect this fact at all. The error is occurring on one report as of XX/XX/XXXX in my annual review of my credit files I receive from www. annual report.com. I am escalating this issue because XXXX XXXX had all the necessary information to correct this error and adverse reporting in the XX/XX/XXXX but failed to remedy the harm it is causing my credit score and rating by carelessly sending erroneous data to the credit bureau. The first time this same error was caught by me was back in XX/XX/XXXX and a letter was sent on XX/XX/XXXX about the adverse reporting. This account should not be reporting negatively at all in no shape or form. I work very hard to pay this mortgage on time every month for the last 4 years so I would like to be treated fairly and like a valued customer. I will attached all previous correspondence and evidence that XXXX already has to expedite the resolution of this issue.

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 2023-11-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear XXXX XXXX XXXX I hope this message finds you well. I am writing to express my deep concern regarding a significant discrepancy in the reporting of my tradeline with your organization. My credit report currently reflects a balance of {$0.00}, which is not accurate as my understanding and records indicate there should be a tradeline amount of {$30000.00}. 

This discrepancy is causing a considerable impact on my credit profile, and I am seeking your immediate assistance in rectifying this issue. I understand the importance of accurate credit reporting and its impact on my financial standing. Therefore, I kindly request that you promptly investigate this matter and update the reported tradeline amount to reflect the correct balance of {$30000.00}. 

I have attached supporting documentation, including statements and transaction records, to substantiate the accurate balance. I believe this evidence will aid in expediting the resolution process. 

I appreciate your attention to this matter and expect a prompt and thorough investigation into the reporting error. Please inform me of the steps being taken to rectify the situation and provide a timeline for the correction to be reflected on my credit report. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Debt Collection Agency is attempting legal action for a Debt they have refused to substantiate. I initially received a letter saying they had purchased the debt during the height of the pandemic.

I requested a copy of the signed credit application, payment ledger if applicable, balance due at time of default if applicable and they have refused to respond or provide the information in violation of the FCRA.

Company response to consumer: Closed with explanation