BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-28
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:
I sent registered mail to all three bureaus requesting as the consumer for collection accounts to be deleted off of my credit report. Under and according to 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

So as the consumer as stated in section ( 2 ) I am giving and have given you written instructions to delete the accounts that are in collection Account status that are on my consumer report that are being furnished by all three bureaus.

This has caused severe harm to me as a consumer and per violation as stated is up to XXXX in fines so please delete the items listed above that are in collection status. I am not asking you to verify any of the accounts listed I have opted out of all companies that are listed in collection status from them furnishing you information so please dont say you have verified the information because thats not what I am asking as stated in section 2 I have given written notice to delete the accounts furnished on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-07
Company: STATE FARM BANK, FSB
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent the following letter over a month ago and got no response. 

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/17 To : STATE FARM BANK ATTN : CEDIT REPORTING XXXX XXXX XXXX XXXX, IL XXXX In regards to : UNFINISHED BUSINESS XXXX XXXX XXXX non-adverse, non-belligerent, non-combatant party, secure creditor with power of attorney general, Executor on behalf of the XXXX XXXX XXXX, is in possession of your recent voluntary submission of evidentiary documents. 

STATE FARM BANK, must herein provide a true and certified copy of the complete audit trail of said account. furthermore, in order for STATE FARM BANK to validate the debt, please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate and the original document showing my hand written signature! 

Failure to substantiate the claim, please settle account immediately within the next thirty days. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX I have received a copy of my credit report and I have found the following items listed below to be in error. 

You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has all violated several of my rights. 

15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a Comsumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637b of this title is mailed or delivered to the consumer not later than 21 days before payment due date.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
IN REGARDS TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX. I HAVE INFORMED THE EQUIFAX BUREAU OF AND THE CREDITOR THAT I HAVE BEEN A VICTIM OF IDENITITY THEFT AND I HAVE SENT CERITIFIED LETTERS XX/XX/2017 ASKING FOR THE DEBT VALIDATION AND VERIFICATION OF WHEN THE ACTUAL CONTRACTUAL AGREEMENT WAS SIGNED WITH MY ORIGINAL SIGNATURE AND I HAVE NEVER RECEIVED A SINGLE RESPONSE JUST A SETTLEMENT LETTER. I HAVE NEVER SHOPPED AT XXXX XXXX XXXX FOR ANY ITEMS. I HAVE WENT THROUGH ALL THE PROPER CHANNELS IN RESOLVING THIS MATTER AND NOW I AM MY LAST STRAW. MY IDENTITY HAS BEEN USED AND STOLEN BY SOMEONE I DO NOT KNOW AND EVEN THE EQUIFAX BUREAU CONTINUES TO PUT THESE WRONG ADDRESSES ON MY CREDIT FILE THAT I HAVE NEVER LIVED AT. THIS IS TRULY BECOMING A NUISANCE TO ME. I KNOW SOMETIMES BAD THINGS HAPPEN TO GOOD PEOPLE BUT THIS IS UNFORTUNATE I HAVE TO SUFFER ON THE COUNT OF SOME CROOK WANTS TO DEFRAUD THE SYSTEM. DURING THE TIME THIS ALLEGE ACCOUNT WAS OPENED I WAS CARING FOR MY AILING FATHER AND COULDN'T LEAVE HIS BEDSIDE BUT I TRULY WANT TO KNOW HOW THIS FRIVOULOUS REPORTING CAN CONTINUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo closed my checking account for unauthorized charges that I did not make. They have reported me to XXXX and have not provided me with proof of these unauthorized charges or an opportunity to dispute them. Additionally, Wells Fargo closed my secured credit card with no warning and did not provide a reason why. Wells Fargo has been discriminatory against me, and has not provided proof of why they closed my checking account and secured credit account. I did receive a payment from the class action lawsuit however where they admitted wrongdoing on the part of their employees opening fraudulent accounts. Not sure if one of their employees used my account fraudulently.

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 2022-10-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-19
Company: Experian Information Solutions Inc.
State: FL
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 ordered a copy of my report and I found out that credit reporting agencies indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. I believe it was reporting in error. 
XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : 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 2017-07-28
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEBT RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Debt Recovery is trying to collect this debt it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
This is the same as my complined # XXXX against Bank of America XXXX I got a call from XXXX no last name from Bank of America on XX/XX/XXXX he left me a message with his phone number XXXX ext XXXX, yesterday XX/XX/XXXX I called him twice and he never returned by call, this is the XXXX they take, he made the call and that's all he need it to do. I want Bank of America protect the consumer that has already complainded twice and to flag this individual for identity theft.

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 2023-06-08
Company: First Advantage LNS Inc.
State: MD
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 have repeatedly asked to have my credit report with company Ncac Since last year updated on XXXX, XXXX, XXXX to reflect the correct balance of debt settle for less than. The debt was settled for {$6000.00} and Balance is {$3500.00} Each credit reporting agency keeps reporting that the information is correct and have not giving me proof of their investigation. I have also asked Ncac to provide me proof that the have the right to collect this debt with no response. I am asking that all credit agency removed this debt of my credit report since the fail provide proof of their investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Noticed my PepBoys account/ Synchrony Bank was closed the representative said it was closed due to my credit score. Which doesnt make sense because I always paid my account on time it is on auto pay through my bank. This in turn has had a negative effect on my credit score. I feel I was treated unfairly. Which has caused a negative outcome. I would fully understand the decision if my card was in default however that couldnt be further from the truth! Companies cant treat consumers in this manner without proper cause and my credit score doesnt have any bearings after being given credit with a company and as stated previously payments were on time and up to date. Nor did anyone explain these stipulations prior to credit approval. This is completely unacceptable and no consumer should be treated in this manner!

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 2019-12-27
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, we started receiving multiple calls daily regarding collection of a debt. 
For several weeks we ignored the calls until we received a letter with the same name of the collection agency. " Sequium Asset Solutions , LLC '' We contacted the Collection Agency by phone to get information regarding the collection. It was for an account we  closed in XX/XX/XXXX, XXXX Service. We explained that we paid the account in XX/XX/XXXX and paid in full. We were never contacted by XXXX, nor anyone until XX/XX/XXXX for any additional debt owed. On the phone call we asked the collection agency to provide us with the billing information so we could verify the account and billing to verify the collection attempt. 
We also contacted XXXX for billing information for verification. They deferred to " Sequium Asset Solutions , LLC ''. 
Neither company was able to provide the information requested to verify the collection attempt. 
On XX/XX/XXXX we sent a certified letter to " Sequium Asset Solutions , LLC '', requesting the billing information for verification. We have not received a response to our letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DC
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:
Portfolio Recovery is still reporting false information on my credit files and now, they started back making false claims about filing a Court Case against. If the want verify or validate the alleged debt, they do n't have anything to file against me in court because the debt is not mind

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: AES/PHEAA
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX XXXX For a creditor by the name of XXXX XXXX XXXX XXXX.XXXX XXXX. Creditors account number : XXXX. With a principal balance of XXXX with an interest balance of XXXX XXXX with a balance due of XXXX. This debt does not belong to me. I'm unaware as to whether or not my deceased ex-husband, XXXX XXXX XXXX, signed my name on any forms requesting this loan. However, in the event this loan were to be his or was to have been signed by him that should have been before our bankruptcy was filed in XXXX. In the event that this debt is owed by XXXX XXXX XXXX it should have been resolved with the bankruptcy. There were many loans XXXX XXXX XXXX took out in my name without my knowledge, which he was required to pay in the divorce settlement in XXXX. I have never received funds for this loan nor did I request this loan nor do I have knowledge of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2018-01-07
Company: TD BANK US HOLDING COMPANY
State: WV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The XXXX XXXX XXXX website was down whenever I went to make my payment, which resulted in my payment being overdue. Further, the link to enable auto pay on the website does not work, so I could not have even setup Auto Pay to avoid this issue all together. The office that I am supposed to call into to resolve problems is not open, and overall I find this ridiculous for a credit company to have these flaws.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-07
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:
I contacted XXXX XXXX and asked them to verify the debt as well as XXXX contacting them on my behalf since XXXX XXXX and they have not responded nor verified the debt. I have another case pending in XXXX County, Georgia unrelated and saw on their clerks website that XXXX is trying to sue me but I have not been notified or served anything regarding this debt. This company refuses to verify I owe this debt and the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2020 I made a {$300.00} payment on my Synchrony Bank Amazon Credit Card. My credit limit is {$400.00} and I made an EARLY payment for more than the minimum due. The payment cleared my bank on XX/XX/2020. I attempted to make a purchase today using my Amazon Card and it was declined. I called the customer service number for Synchrony Bank and spoke with a customer service representative. I informed the rep of my payment, advised him it has cleared my bank, and asked why I was showing a balance of {$34.00}, available to spend amount of only {$32.00}, when I have a total credit limit of {$400.00} The representative informed me that because I made a payment in the amount greater than what was soon to be due, Synchrony placed a hold on the payment for 5-7 days before they will fully credit it to my account. I inquired why they were holding the payment since it has already cleared the bank and does show on the Synchrony website as being applied ; the customer service rep stated " because that's how we process large payments, we place a hold on them ''. I requested the representative direct me to the language in the pamphlet I received with my credit card that advises me Synchrony can place holds on applying payments, that have already cleared the bank, to my account. The customer service rep stated that the pamphlet does not contain any such language, its just " something we do ''. I have never missed a payment, never had a late payment, never bounced a payment and yet Synchrony took the money and will not provide me the credit for doing so. Furthermore, the service rep advised me if I would have waited until the due date and paid just the minimum due- no hold would have been placed on the account. It appears Synchrony is " punishing '' those who can afford to pay off their balances and then refuses to credit them the payment in the " amount to spend '' for 5-7 days.

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 2017-12-30
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
So when I app for credit once creditor receives my accurate report but the after I apply to another creditor my credit report file has no information ... ..resulting in a denied application. I recently disputed these inquiries as false information and nothing has been done as of now, so Im going to provide proof as they reporting inaccurate information to the creditors I applied too. 

My credit report is attached as proof from Equifax!!! 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XX/XX/2017 XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EdFinancial Services
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have tried to call 6 different times on different days. I use their callback system to have my place in line held until they call me back. Upon receiving a callback and verifying my identity, I am asked to be placed on a brief hold, the hold lasts about 3 seconds, then the call is dropped. I have never received a call back after the call is dropped. On my most recent attempt I asked to NOT be placed on a hold and explained that every time I'm put on a hold the call is dropped, and was told " I can not have silence on the line. '' I again asked to NOT be placed on hold. The representative said " ok I will not put you on a hold, '' the line went silent, and my call was again dropped within 10 seconds. The live chat feature does not work, I have submitted an email request, but have not received any confirmation that they have received my email or a wait time associated with an email reply. 

Dates of calls : XX/XX/23 ( 2 times ) XX/XX/23 ( 2 times ) XX/XX/23 XX/XX/23

Company response to consumer: Closed with explanation