BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CCS Debt collection agency is trying to collect money from my for XXXX XXXX XXXX XXXX and XXXX XXXX canceled my auto insurance back in XX/XX/2023 and now they sold my information to the CCS Collection agency and by law I haven't given them permission to collect anything on my behalf and everytime I file a dispute with All the Credit bureaus they delete it off one bureau and put it on another one as if the account is still open. And that's not true this was car insurance and it has no business on my credit report period and I want this removed from all XXXX credit bureaus immediately or I will be filing a lawsuit CCS COLLECTIONS XXXX XXXX XXXX XXXX, MA XXXX This is showing currently on my XXXX and XXXX credit report totally illegal

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: SC
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:
The company is XXXX  XXXX. The information is all different on each of the three credit bureaus. The payment status and past due amounts are all different.

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 2023-03-09
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:
NOTICE REGARDING IDENTITY THEFT NONPUBLIC PERSONAL INFORMATION WAS COMPROMISED. BLOCK AND DELTE IMMEDIATELY SEE ALLEGED ACCOUNTS BELOW. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. 

They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below : XXXX XXXX  -- XXXX XXXX/XXXX  -- XXXX ( {$1000.00}, {$2000.00} ) 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 2020-10-26
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello My Unemployment Usbank Reliacard has been blocked for over 7 days. I have sent in numerous verification documents as requested by the bank to have my unemployment bank card unblocked but still no resolution. I have attempted to contact every source for assistance but still no resolution. My unemployment card is the only source of income that I have. I have sent to the Usbank my personal photo, my identification card and a copy of my home rental lease to also proof identity and residence. This is causing serious issues as I am not able to take my autistic son to see his physician and attend his therapy appointments because I cant use my Unemployment Usbank Reliacard. Any help would be greatly appreciated. Thank you in advance.

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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Family Educational Rights and Privacy Act ( FERPA ) Prohibits a company from sharing personal information without giving notice

Company response to consumer: In progress
Consumer complaint received 2021-08-15
Company: Conn's, 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: Account status incorrect

Complaint:
In XXXX of this year I applied for credit with Conn 's a week are two later I received a call from a lady name XXXX telling me I had been approved for XXXX. I told her I'd come in that following weekend AndWhen I did make arrangements to go in I called XXXX from outside to make sure she was correct about what she had told me bout the credit amount for me. She assured me it was correct. When I got inside she greeted me and told me to look around. I finally chose a freezer which was XXXX she went to check her numbers I was just trying to establish a credit line.When she returned she told me the credit line would be from someone else in the store Preferred lease but nothing about a change in price are anything.They tried to go up on what I had decided to get but I didn't. Now after in being XXXX  in XXXX and being late with my payment I find out that are charging me {$940.00} for the freeze.I have the invoice I was given say 's chest freezer XXXX and XXXX deliver.Now I see they're on my credit report for XXXX. So not fair. Help me please Im on a fixed income and I never would have gotten this I could have bought a freezer for XXXX at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: TD BANK US HOLDING COMPANY
State: NC
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: Card was charged for something you did not purchase with the card

Complaint:
On XXXX after checking my XXXX XXXX report I discovered a credit card account that was not opened by me with a balance of {$4100.00} on it. After realizing this, I proceeded to call the number of the creditors listed on the XXXX XXXX XXXX. After explaining my situation they proceeded to freeze and start an investigation and that it could take from XXXX to 90 days. On XXXX I received a letter from TD Bank informing me that due to a lack of evidence to substantiate my fraud claim, it had been denied. The letter also included merchant sales and delivery confirmations copies. After receiving that letter, I proceeded to call the number at the bottom of the TD Bank letter in order to ask more questions about the issue. However, every single one of my calls got directly sent to voice mail. After many failed attempts on making contact, on XXXX, I was instructed to visit the legal office on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After speaking with the Legal Officer, I was given a package with instructions on the necessary steps to take to move forward with my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 am sending this complaint due to the fact I have reach out to XXXX Credit Bureau to let them know these are unauthorized inquiry and I would like them removed as soon ad possiable it has been passed 60 days and these items are still there. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-08
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: Public record information inaccurate

Complaint:
The credit bureau is reporting this bankruptcy passed the statute of limitations.

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 2020-10-26
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I never received any correspondence from XXXX, XXXX  and Experian from when i sent them letters in XXXX challenging items on my credit report. I sent a follow up about 45 days later and still havent received 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 explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25
Company: VW Credit
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was a victim of Identity Theft, while in XXXX, Ohio. I had my wallet, and XXXX XXXX. The individual or group that stole my belongings, were able to access my checking account information, credit cards, passport information, and information about my mortgage. Being a victim of Identity Theft has caused several issues on my accounts, due to Thousands of dollars coming out of my checking account. This account was open in XXXX of XXXX, and is reflecting late payments in XXXX, XXXX, and XXXX. I explained my situation to the customer service manager, and he stated there would be no late payments reported and that we will work with you regarding this matter. I have worked very hard through school and in my career, and if the company is not able to honor the police report, and police officer statement, and remove the late payments reporting for the months of XXXX, XXXX, XXXX of XXXX. I will file bankruptcy on this account. I would like a response in 30 days, in order to proceed with filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, 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: Account information incorrect

Complaint:
This company is illegally reporting my experience with them in regard to both my car loan and the account I am currently an Authorized User on. 
FRCA 15 U.S. Code 1681a 2 ( A ) ( i )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-26
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Synchrony Bank is ignoring copies of payment documentation validating the correct balances owed.

There is a Balance Dispute with Synchrony Bank regarding two ( 2 ) accounts : XXXX and XXXX Card. Payments have not been appropriately applied to account. XXXX Credit limit is {$1000.00} ; limit was never increased or decreased. My payments total {$1400.00}. Account is PAID IN FULL, and no 'Easy Pay ' payments are owed ; QVC has confirmed this. Yet Synchrony Bank continues to bill {$1000.00}. As of XX/XX/2020 an alleged investigation was initiated by the Synchrony Bank 's corporate office, yet, I don't believe it, and Synchrony Bank has reported my account to the credit bureau ( s ) as DELINQUENT, causing my credit score to decrease 86 points. So egregious! You'd think they'd at least wait until AFTER the concluded investigation. However, I've advised Synchrony there will be no further payments because the account is PAID IN FULL! 

The XXXX XXXX credit limit is {$800.00}. Limit never increased nor decreased. Payment History validates my total payment history to date as {$840.00} ; Balance currently owing is {$100.00}, yet Synchrony Bank 's records continue to state {$800.00} is owing. ABSOLUTELY OUTRAGEOUS!! Despite Synchrony 's error, they have reported my account to the credit bureau ( s ) as delinquent causing a drastic drop with my credit score.

I now believe Synchrony 's billing errors are fraudulent and an attempt to coerce customers to pay double for merchandise purchased with these cards.

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 2021-02-25
Company: JPMORGAN CHASE & CO.
State: MA
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/XXXX I was sent a letter from Chase saying autopay for my credit card was removed. The letter said I owed {$53.00} and action was needed. Chase recommended to " Please pay your bill by the due date on your statement or re-enroll in XXXX. '' On XX/XX/XXXX I re-enrolled in autopay and updated my bank information following the recommendation of the letter. At this point, I felt the matter was resolved. 

On XX/XX/XXXX, I received a call from a Chase representative. The representative said my bill was overdue. I did not expect this call since I had taken appropriate action as recommended by the letter sent on XX/XX/XXXX to re-enroll in autopay. I paid my balance in full ( {$110.00} XXXX on XX/XX/XXXX and the representative was kind enough to waive any related fees. 

On XX/XX/XXXX, I checked my credit report. Chase had reported that I was late on my payment for 30 days. I contacted Chase customer support multiple times to try to get the late payment removed from the report. Chase representatives refused. 

It's pretty simple. Chase had sent a letter saying I owed {$53.00}. In that letter, they recommended steps I could take to pay the amount owed. I followed their recommendation but was still reported by Chase to the credit agencies. This is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-13
Company: Hiday & Ricke, P.A.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XX/XX/2020 I received an email from Hiday & Ricke , P.A . ( Paralegal Mrs. XXXX ). 
They wanted to settle a debt with a creditor ( XXXX XXXX  ) on an auto loan. While I was working during this time my husband and I advised them that we were unable to make any payments more than {$100.00}. This law firm said that they weren't going to accept it because it was going to take too long to pay off. So after speaking with my husband, we were going to see them in court and get it rectified. I received another email and call from Hiday & Ricke stating that I would call her later because I was at work. At this point, we were going to meet them at the courthouse. 
XX/XX/2020 Hiday & Ricke brought up another offer to do a Consent of Final Judgement for 6 months at {$75.00} then work with Post Judgement after that. At this point, we had decided to go to court and work it out. Then 10 days later, I was terminated from my job. I emailed Hiday & Ricke and told them what was going on. At this point, Paralegal Mrs. XXXX, said that means your husband needs to file Florida Statute 222.11 Head of Household waiver. Then I asked her do we still need to show up in court and she stated that we didn't have to we could sign a Consent of Final Judgement that would stop us from visiting the court.

Then my husband and I started receiving court documents via mail stating that they were going to take our vehicles. We still hadn't received a Florida Statute 222.11 Head of Household waiver XXXX XXXX I emailed Hiday & Ricke ( post judgement-Starr Curran ). She stated we could still work out something but they still didn't include the Florida Statute 222.11 Head of Household waiver only their Financial Information document that wasn't helping. 
XX/XX/2020 We received in the mail from Hiday & Ricke that they were garnishing my husband 's pay of 25 % per pay period which will put us on the streets. We called them and spoke with ( XXXX ). We  told her we would hire counsel to take care of this matter because the documents received were stamped by the court XX/XX/2020 and we just received them via USPS on XX/XX/XXXX. 
XX/XX/2020 Now, my husband 's pay has been deducted over {$300.00} per pay period that would mean we will lose XXXX of our vehicles and some bills that won't get paid. 

I do have documentation of the conversations and all of the documents received via USPS that the Florida Statute 222.11 Head of Household waiver was never included. Also, recorded  conversation from XX/XX/2020. 
I believe that this process was maliciously ignored and stepped around to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Synovus Bank
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I discovered that I had fraudulent charges on my First Digital MasterCard on Tuesday, XX/XX/2022. I also noticed the same day that my credit score had dropped due to overuse of my card. I then contacted the company via the number on the back of the card. They said that the card had been cancelled and they had mailed a packet to me to argue the charges but also said that I am responsible for all charges until the dispute had been settled. I was told by the number provided by the FTC that I am only responsible for non-disputed charges which was not mentioned by the XXXX XXXX representative. XXXX XXXX said that they have issued a new card but I have not received anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AMEX has a lien against my property for someone elses name. I have left multiple messages about this with their attorneys office & they will not speak to me because their client is XXXX and I am XXXX. IT is my house in my name and I need this lien removed from my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to file a formal complaint against Capital One for inaccurately reporting my credit card payments and the status of a secured credit card account. I have encountered significant issues with how Capital One has handled my credit information, which has adversely affected my credit score.

Late Payment Reporting on Two Credit Cards : Despite making timely payments, Capital One has reported late payments on [ mention the last four digits of the two credit card account numbers ]. This error has negatively impacted my credit history and score. 

Closed Secured Credit Card Account Still Reporting Negatively : Additionally, a secured credit card account with Capital One, which was fully paid off and closed in 2021, is still being reported negatively on my credit report. This account, with the account number [ mention the account number ], should reflect its true status as paid off and closed. 

These inaccuracies have not only affected my financial credibility but have also caused me undue stress and potential financial harm. I have attempted to resolve this issue directly with Capital One but have not been successful in correcting the inaccuracies. 

Enclosed with this letter are copies of relevant documents, including statements showing timely payments, the closure confirmation of the secured credit card, and any correspondence with Capital One regarding these issues. 

I request that the CFPB investigate this matter and assist in rectifying these inaccuracies with Capital One. It is imperative that my credit report reflects accurate information to maintain financial stability and credibility. 

Thank you for your attention to this matter. I am looking forward to a prompt resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation