BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-02
Company: EQUIFAX, INC.
State: OR
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:
We believe someone is trying to use our daughter 's social security number. She is XXXX XXXX XXXX. 
On Monday, XX/XX/2018, we tried to open a savings account for our daughter at Oregon XXXX XXXX XXXX. They used her social security number to look up credit history and found that someone attempted to open an account using her social security number at another bank. They would not give us any detailed information about the bank or the individual. 
When I called the credit reporting agencies, they directed me to a website where I could request her credit report, but because she is under 18, I could not request the report online. I also could not place any fraud alert on her account, because she is under 18. 
I am not sure what further steps to take to protect her identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've recently been getting updates and warning about my personal information being on the BLACK WEB. So I've been looking at my credit report and noticed XXXX XXXX XXXX on my credit report and I have never had or applied for a account with this company. This account shows to be open since XX/XX/2018.

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 2018-03-12
Company: Continental Credit Control
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had an XXXX at XXXX XXXX ( XXXX XXXX XXXX ) in XX/XX/XXXX. I thought my insurance had covered everything. I never received a bill from the XXXX location. 

In checking my credit report online in XX/XX/XXXX, I saw an unknown debt to a " Continental Credit Control ''. I called XXXX   to dispute when they informed me that it was related to an XXXX. I called the XXXX location and they told me the debt had been sent to the collection agency Continental Credit Control. I never received any phone call or notice in the mail from the collection agency either that that there was an outstanding amount owed. 

My frustration is that the original bill was only {$190.00}. I have worked hard my entire adult life to have a stellar credit score.  Now at age XXXX, when I am finally close to buying a property for the first time, I learn that my credit score has been negatively affected by a bill I knew nothing about and would have paid promptly had I been aware. 

I find it outrageous that the XXXX location and the debt collector can take all these actions that negatively affect me in such a profound manner without ever confirming that I even knew I owed the money. Shouldn't someone have at least called me? Or sent certified mail?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: SYNCHRONY FINANCIAL
State: MD
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:
On XX/XX/2020 we submitted a Dispute Acknowledgement Form to Synchrony Bank with all relevant documentation. On XX/XX/2020 we received an acknowledgement letter from Synchrony Bank. On XX/XX/XXXX after receiving an email that a payment was due calling to inquire why when we had not received a response on the dispute filed on XX/XX/2020. 

After several go rounds with Synchrony Bank customer service on XX/XX/2020 ; A.  ) Synchrony Bank proclaims to have mailed a letter on XX/XX/2020 ; a ) In addition, it was implied that Synchrony Bank did not have to send a letter because Synchrony Band had been notified by the XXXX XXXX XXXX  that we had agreed to such said purchase agreement that we received dated and sent on XX/XX/2020, bearing no signatures. 

b ) As stated in the Dispute letter filed on XX/XX/2020, we undeniable stated that ; 1. ) On XX/XX/2020 we made a purchase of a XXXX XXXX XXXX Serial # XXXX. Returning XX/XX/2020 being we had never been supplied with an electronic, physical, verbal or review of the purchase order nor the credit card financial documentation. In addition to the discrepancies in the purchase order and information supplied to Synchrony Financial by XXXX XXXX. 

Being the facts were presented to Synchrony Bank and we believe neglectfully dismissed the dispute without proper notification ignoring the facts. Attached are relevant documentation supporting our position. Please investigate this matter accordingly, providing accountability in Synchrony Bank enforcing federal consumer financial laws and protecting consumers that promotes fairness and restricting unfair, deceptive, and/or abusive acts or practices against consumers especially as it relates to this purchase. 

XXXX XXXX refuses to give ones and us any printed documentation stating that all is done " Electronically ''. 

See attached letter as Formal Description " CFPB 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 monetary relief
Consumer complaint received 2017-08-01
Company: AMERICAN EXPRESS 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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX   -   XXXX   XXXX   XXXX   - charged my American Express credit card in error on   XXXX   XXXX  , 2017, at   XXXX   XXXX    XXXX   XXXX  . They immediately acknowledged their error and promised to reverse the charge. However, when I returned from travel in  XXXX , in early  XXXX  of this year, the erroneous charge appeared on my American Express statement. I promptly disputed the charge, opening a case with AMEX, and also did the same with  XXXX .  XXXX  responded promptly and courteously, investigating it and advising that they had contacted AMEX and authorized the credit card company to charge back   XXXX   for the amount of {$490.00} ;  XXXX  advised me that it had accepted the AMEX chargeback on   XXXX   XXXX   2017 ; they provided reference numbers for that exchange with AMEX. However, AMEX not only failed to clear the disputed charge from my statement, they actually closed out their original dispute investigation on the matter ( #   XXXX   ), and sent me a letter dated XX/XX/XXXX  stating that they were reinstating the {$490.00}. claim to my account. I immediately called AMEX, and they re-opened the dispute with a new reference number,  XXXX , and asked me to re-submit my information by mail. This was done on   XXXX   XXXX  , 2017, with copies of all relevant documents, including the emails from  XXXX  Customer Care that confirmed the AMEX chargeback against them. I also uploaded all relevant documents to the AMEX site as instructed by them, at americanexpress.com/docupload.
To date, I have received no acknowledgement from AMEX about the fact that they have been made whole by  XXXX  and that therefore no charge is outstanding. Meanwhile,  XXXX  has been prompt to respond to my follow-up questions ; their Customer Care person   XXXX   XXXX   had made every effort to provide me the reference data regarding their resolution of the charge.   XXXX   ' case number for this matter is  XXXX . Meanwhile, I continue to be harassed by AMEX statements reflecting the {$490.00}. outstanding charge. Please assist me to have the credit card company promptly resolve this matter. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-26
Company: Prosper Marketplace, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
XX/XX/XXXX -- - DEAR CONSUMER FINANCIAL PROTECTION BUREAU, I AM WRITING THIS LETTER BECAUSE I AM IN NEED OF FINANCIAL ASSISTANCE AND I WAS REFERRED TO YOU BY MY REALTOR. I HAVE BEEN REPAYING A PERSONAL LOAN TO A COMPANY CALLED XXXX XXXX, XXXX. SINCE THE LOAN ORIGINATION IN XX/XX/XXXX. IN XX/XX/XXXX, I RECEIVED A RENTAL RATE INCREASE BY $ XXXX/MONTH WHERE MY FAMILY AND I WERE RESIDING, MAKING MY LOAN PAYMENT TO PROSPER DIFFICULT, WHICH IS {$700.00}. I RESORTED TO MAKING PARTIAL PAYMENTS EACH MONTH TO PROSPER, WHICH CAUSED ME TO INCUR LATE FEES EACH MONTH. UP UNTIL LAST MONTH ( XX/XX/XXXX ) I HAVE NOT BEEN ABLE TO CATCH UP BUT CONTINUING TO PAY PARTIAL PAYMENTS. I HAVE REQUESTED THROUGH PROSPER A REDUCED MONTHLY PAYMENT AMOUNT SO THAT I CAN SALVAGE MY CREDIT RATING. MY WIFE AND I RECENTLY PURCHASED A HOME THROUGH VA AND WE ARE CONSIDERING A REFINANCE AND POSSIBLE CASH OUT OPTION, SO WE CAN PAY PROSPER OFF ( A LITTLE OVER $ XXXX ). PROSPER TOLD ME THAT THEY WOULD NOT REPORT ME TO THE CREDIT BUREAU AS LATE AS LONG AS I WAS MAKING AN EFFORT TO PAY. THEY REPORTED ME TO THE CREDIT BUREAU ANYWAY. I DONT KNOW WHAT ASSISTANCE YOU CAN OFFER, BUT ASSISTANCE WOULD BE GREATLY APPRECIATED. I AM A XXXX MILITARY VETERAN WHO IS JUST TRYING TO KEEP A ROOF OVER MY FAMILYS HEAD. I AM OPEN TO ANY SUGGESTIONS TO SALVAGE MY CREDIT RATING SO THAT I CAN PAY PROSPER OFF. 

RESPECTFULLY YOURS AND KIND REGARDS THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: AMERICAN EXPRESS COMPANY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/18 a reservation was made for an event to be held by XXXX XXXX on XX/XX/XXXX and a deposit paid in the amount of {$2500.00} On XX/XX/XXXX the reservation was cancelled via writing and the company was informed. 

The company refused to cancel the reservation and started to threaten me. I called the Vice President and asked for reason for this kind of unprofessional behavior he also threatened me and said this was non cancellable. There was no such declaration made to me, specially since the event was over 30 days in the future .I informed AMEX immediately and they put a hold and reversed the charge. Yesterday AMEX informed me they had charged back the amount. I have not attended the event because AMEX told me this would be resolved. Now what should I do? XXXX XXXX has provided an unsigned agreement saying that the event is non cancellable but I have never seen this agreement nor signed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
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: Information belongs to someone else

Complaint:
XXXX 's client XXXX XXXX is an identity theft victim. Someone used his information to establish several fraudulent accounts without his consent. Some of the applications submitted resulted in fraudulent related inquires. A formal dispute of those inquiries was sent to the respective organization however the inquiry was not removed ; this is a violation of FCRA regulations. A dispute was then sent to the credit bureaus and again the inquiry was not removed, another FCRA violation. As of this morning a credit report found XXXX ( XXXX XXXX XXXX ) is reporting the fraudulent inquiry generated to Equifax X/X/17.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
USAA refuses to deposit tax return check for {$41.00} and change. ATM will not accept the deposit. Closed branch in XX/XX/XXXX with no nearby branch for hundreds of miles. App does n't work. Same problem had in the past and they ca n't fix it. Requested 2x of 2 hour windows to call and they could n't do it, stated they were busy when calling 45 min or more later. Took photo as requested. Completely readable. Refused to deposit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: EQUIFAX, INC.
State: MI
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:
At the beginning of the year I was a victim of identity theft ( FTC affidavit attached as well as proof of fraud alerts on all three major CRAs ). This caused me to look deeper into my credit. After doing so I discovered several inquires I did not recognize. One being from XXXX XXXX. On XX/XX/18 I sent a certified letter to XXXX XXXX requesting proof of " written authorization '' by me with my signature to pull my credit. XXXX XXXX only responded stating my file was accessed by " a vetted subscriber ''. Thus I am assuming they have to such documentation and do not have written authorization from me to either themselves or their " vetted subscriber '' According to section 604 permissible purposes are : Firm offer of credit, insurance, employment and court order. Section 604 also states the consumer MUST give " written instructions ''. I have attached an FTC advisory opinion ( below ) which interprets Section 604 of the FCRA on what is both permissible and considered " written instruction ''. According to this FTC advisory opinion XXXX XXXX is in direct violation of Section 604 of the FCRA. I again request that the UNAUTHORIZED inquires be removed from my credit report or be provided proof I have given " written instructions ' to pull my credit.

https : //www.ftc.gov/policy/advisory-opinions/advisory-opinion-landever-10-12-99

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter in my mailbox a few days ago from a company called XXXX or " Fair Collections & outsourcing '' regarding a debt that I supposedly owed this company called " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' for {$3200.00}. I was shocked at first because I did not borrow any money, take any loans out, or owe any debt to anyone. 

I originally thought that the letter was fraudulent and that both companies were fake because I didn't owe any debt to anyone. I waited until the next day and I called XXXX in order to find out what's going in. They tried to pressure me into providing them with my social security number, birth date, and other personal information but I refused to give them anything due to the fact that they seemed really suspicious and the debt is a scam. 

I told them multiple times that the debt is not mine, and that I did not sign anything or owe any company any money. I had also checked my credit report and it was showing that I owed no money, loans, or debts to any collection agencies or companies. 

I informed that they either made a mistake or that someone has stole my identity and is attempting to take out loans with it. I asked them if any of the paper work they had on their end contained my signature or any personal identifiers and they told me no they didn't. They said that the lease they had on their end from XXXX XXXX XXXX XXXX only had my first and last name on it. 

I asked them to remove my information from their system and not threaten to submit a negative credit report to a credit reporting agency about me because this is all a scam or just plain out identity theft. 

That's when they started hanging up on me, refusing to allow me to speak to their supervisor, putting me on endless holes and refusing to answer my questions. They also kept asking me to pay the debt even though I informed them that I do not owe any money to anyone or any company and that this is identity theft. 

Please help me because these individuals and the company their supposedly trying to collect the money for are clearly scammers.

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 2021-02-22
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The company will not remove late payment from my report and I have communicated that the information is reporting inaccurately on all of my reports. When my card was lost in XXXX the bank issued another card. The company continues to report the payment history from that card as if it is still open. The company opened a new tradeline and made my age of the card appear newer and also reported the old payment history and new payment history. The account is being reported twice and needs to be corrected.

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 2017-08-01
Company: CarMax, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am requesting assistance in removing a negative tradeline from my three major credit bureau reports from Carmax Auto Finance. In XX/XX/XXXX I was a cosigner on a vehicle purchased by my then wife. We separated in XX/XX/XXXX and she was awarded the vehicle in the settlement. I retained no ownership and no longer had access to the vehicle or any accounts related to it. In XX/XX/XXXX I attempted to purchase my own vehicle only to be denied and to learn that the reason was because the Carmax loan had been paid 30-60 days late many times over the last few years and was currently 30 days late as well. Upon learning this, I contacted Carmax and discovered that I had never been removed from the account after the settlement awarding the vehicle to my wife. I requested to be removed, but they stated that they could n't do that while the account was still open. I immediately paid off the loan myself in order to resolve the issue. Once it was closed, I again requested to be removed, but was then told that it was not possible as the account was already closed. I then requested that the negative tradeline be removed from my reports as I was not the owner of vehicle, nor was I ever made aware that the payments were n't being made on time. Carmax stated that it is not their policy to remove items from credit reports. I have made this request several times, as recently as XX/XX/XXXX as the negative reporting continues to cripple my own credit even though I do not own the vehicle. I am submitting this complaint under the Fair Credit Reporting Act which requires that before any negative items are placed on a consumer credit report, the creditor must notify the consumer. I never received any phone calls or letters or any correspondence from CarMax regarding this account. I was never informed that it was late, nor that any negative items would be put on my report. Carmax states that they sent correspondence to the primary account owner as is their policy. I am not the primary account holder, so no correspondence was sent to me. All I am asking is for the tradeline to be removed from my credit reports. The FCRA does not require tradelines be reported so removal is certainly allowable and very common. The purpose of accurate credit reporting is so that a true representation of a consumor 's credit worthiness is available to potential creditors. This tradeline is not a fair representation of my creditworthiness as the account is not mine, and I was never made aware of issues or given an opportunity to prevent delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: Andreu, Palma & Andreu, PL
State: FL
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:
Attorneys XXXX, XXXX, XXXX XXXX XXXX of XXXX Florida have filed a lawsuit against me for a credit card that was charged off. They are a third party debt collector. It was XXXX XXXX that I had the original credit card with. I was never notified by the original creditor that they were selling my debt to anyone and by law they are supposed to notify you. I was told it was sold to a company called " XXXX XXXX '', whom in turn sold it to XXXX, XXXX and XXXX. I only know of the lawsuit because I was contacted by a Mediation firm in XXXX, FL.who offered to mediate the debt for me for a price that was not disclosed to me. I asked how he knew and I did not. The reply was they look up public records. Otherwise I would have not known anything about a law suit. I have written to them by certified mail and asked them to provide me with proof of Assignment or proof it was sold to them from original creditor and testimony from original creditor attesting that the bill of sale is true and accurate.They have not provided me with this. For this reason and because I was not notified by the original creditor, I ask that they withdraw the lawsuit. To date I have not been served a summons. I am XXXX and living on social security XXXX each month. This is my only source of income and is protected from wage garnishment as Is my home under the Homestead exemption laws in Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
WRONG BPRIMARY NAME AND ALIAS NAMES ARE WRONG AND NEVER USED THEM AND ALL PREVIOUS ADDRESSES NEVER LIVED THERE SEE XXXX  DOC FOR EXPLANATION

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 2020-11-17
Company: EQUIFAX, INC.
State: OH
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:
I Have called and i have so sent Proof and verifications of new addresses months before hand and the correct address has not been updated to my credit profile and every address on my profile has not been removed.

Company response to consumer: Closed with explanation