BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-21
Company: CNG FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Email sent to XXXX XXXX XXXX XXXX : I received a call yesterday ( XX/XX/XXXX ) from someone ( female ) indicating they are a subcontractor of your agency ( XXXX XXXX XXXX XXXX ) regarding a debt from Check n Go // XXXX XXXX I explained to your representative that I do not ever recall having any activities or taking a loan out with Check N Go. Your representative refused to listen to me stating that if I did not pay a debt which was around {$900.00} today that I would be sued and an additional {$2500.00} would be added to the debt. As I explained to your representative I need to verify this debt as this is the first time I am hearing about it and I am not just going to pay your agency money on the spot as this is straight up extortion for money, as I do not recall ever having this loan/debt which according to your representative was from XXXX. She provided me with a telephone number for Check N Go who I called and the person stated the debt was only {$580.00} ( {$500.00} original loan and {$85.00} late fee ). The Check N Go representative also said that if someone was asking for more than the original debt it may be a scam and not to pay it and that they do not have anything to do with XXXX. I called your representative back and explained this to them, they got extremely nasty with me stating they would have law enforcement serve me paperwork and she would have me taken to court. I told her I wanted more information to determine if this debt was mine and she again got nasty saying " that is fine, we will move forward with suing me and putting a lien on my social security number. '' As I explained to your representative, if this debt is mine I would be happy to pay the {$580.00} that Check N Go alleges is my debt, however, I want information to prove this is my debt. As I explained to both Check N Go and your representative, I have been the victim of identity fraud in the past by someone who lives in XXXX, FL who uses my social security number, and have had my information stolen several times from various data breaches such as the U.S. Govt Office of Personnel Management, etc. so I am not sure this is a valid debt on my part. With that being said, I want your agency to stop attempting to extort money from me via harassing threats and I want your agency to provide me via mail that this is in fact my debt. If this information is provided to me verifying this is my debt, I will agree to pay the {$580.00} in a lump sum payment. Additionally, I want your agency to stop calling relatives of mine and my working location in which your agency is providing them information about me to include that I have a debt ( which is unverified ), and that legal action is pending against me, which is a violation of FDCPA. I only wish to be contacted via the mailing address and cell number I provided your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
XX/XX/XXXX - {$68000.00} was cashed under a individual that is not the person written for XX/XX/XXXX filed charges case number XXXX ... .still I have not heard 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 2022-02-08
Company: WELLS FARGO & COMPANY
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
WELLS FARGO Account Number : XXXX Date Opened : XX/XX/2013 Balance : 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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments.

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 2022-02-08
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
Synchrony Bank/Walmart card is reporting to XXXX XXXX is reporting the account is closed. It can not be updated to active because it's closed. 
XXXX XXXX XXXX is reporting said account on Synchrony Bank/Walmart .

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I insist that your bureau updates the reporting of late payment dates to accurately reflect the current status of the accounts. I understand the importance of accurate credit reporting and take my financial responsibilities seriously. However, it is essential to note that there were occasional delays in my payments. It is unnecessary and misleading to continue reporting late dates when the accounts have been paid and are no longer delinquent. The reporting of these late payment dates is adversely affecting my credit standing and does not accurately represent my financial history. Despite these temporary lapses, I made the necessary payments to bring the accounts up-to-date, and there is no outstanding balance that justifies the reporting of late payment dates. I was the victim and XXXX not sure why the CRA is not complying with the law. The other bureaus have followed suit. XXXX very confused why this one seems to ignore my requests. I request a prompt and thorough investigation into this matter, with the immediate removal of the inaccuracies and the updating of late payment dates to accurately reflect the current status of the accounts. It is crucial that your bureau complies with the Fair Credit Reporting Act ( FCRA ) and rectifies these discrepancies without further delay. 
XXXX XXXX XXXX XXXXPLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 

XXXX XXXX XXXXPLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I expect to receive written confirmation of the resolution and the updated credit report at the earliest opportunity. The reporting of inaccurate late payment dates is not only misleading but also detrimental to my financial reputation, and I insist on a swift resolution to rectify 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 non-monetary relief
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXXXXXX XXXX XXXX Account : XXXX has been paid and closed since 2015 but on my report, this is still showing that it is 30 days. How can this be? This account should not be showing a late date since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be removed IMMEDIATELY! 
XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}

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 2020-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I contacted Capital One about a company ( XXXX XXXX  ) out of California. I purchased an automotive product from them for {$1100.00} on XX/XX/XXXX. They said Id have my product by two weeks from that date. I never got my product and the company never called me or emailed me. I looked into the company and found that the company was actually under investigation by the California D.As office for doing this to multiple customers https : XXXXXXXX XXXX XXXX At that point I knew there was trouble and I should contact my credit card company. InXX/XX/2019 I called Capital One and in great detail explained the situation and told them the company is under investigation. I fraud investigation was started and a few days later the charge was off of my card. A few days after Capital One contactes the XXXX company they suddenly decided to rush the product out to me. 4 months after my purchase mind you. I then contacted Capital Ones fraud team and asked what I should do with this product. I was told to email the company and to ask them to provide return shipping so that I cant send it back and that if they didnt, I was to leave the product there until they sent return shipping. I emailed XXXX and never got a response. So the product with Capital Ones knowledge has been sitting in my garage since. To my surprise on XX/XX/XXXX they ( Capital One ) reinstated the charge without contacting me. I called them today XX/XX/XXXX and spoke to XXXX employee number XXXX XXXX Fl call center about the charge. She started that they had sent me a letter that I was to respond to regarding more information. Which I never received and told her I didnt. She stated that because the XXXX company challenged their findings. They simply took their side and recharged me the {$1100.00} and that I was stuck with the charge. So now I have {$1100.00} worth of product I no longer need or want from an OBVIOUSLY shady company sitting in my garage and a large charge on my Master Card. She refused to do anything to help. I told her Id be filing a complaint today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
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:
XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -1 XXXX XXXX XXXX  -2 XXXX XXXX XXXX -3 XXXX   Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Unauthorized Inquiries : 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 explanation
Consumer complaint received 2023-03-13
Company: SYNCHRONY FINANCIAL
State: CA
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:
Just received your answer with reference to complaint XXXX submitted on XX/XX/XXXX, however this Synchrony Bank did not respond correctly to the disputed item here that is still showing in my account. An item that was delivered - Door covering that was not installed at all. The amount of the item is {$660.00} and its still showing in my account and needs to be credited as I do not have this item. 
Synchrony bank received all my documents and this amount is not my possession of which the merchant refused to install in XX/XX/XXXX and with all the issues that the merchant- Lowes has put me thru, I have the right NOT to purchase this covering anymore. Lowes refused installation from XX/XX/XXXX. All letters and documents has been provided with Synchrony and they have never responded to this amount on dispute. Synchrony Bank needs to credit item that was not receive at all or not in my possession. 

The merchant-Lowes sent an incorrect window covering and refused to acknowledge the fact that they committed a mistake and insist that I enter into agreement. An agreement that never stated that even if you receive a wrong item, you as a customer will pay for it. The amount of this item is {$500.00}. Both these amount are still showing in my account. 
{$500.00} - Incorrect Item {$660.00} - Item that was NOT Delivered

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 2023-03-14
Company: Ability Recovery Services, LLC
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 is missing that should be on the report

Complaint:
INCORRECT INFORMATION

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 2023-03-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
It is a medical collection from an XXXX  office that was part of my XXXX XXXX. I had XXXX  insurances at the time of the procedure in XXXX  and they did not send ir they it late to my secondary insurance does they were not paid as per my previous insurance company. They put this collection without any written notification to me stating that I owe anything. I was just surprised that I am being harassed by this collection agency ARS account resolutions stating that I owe XXXX XXXX XXXX which has a lot of complaints same as mine. Please help me remove this collection from my report as I am not responsible for this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XXXX XXXX XXXX XXXX XXXX does not answer the phone at all. I am on hold for so long that I finally give up. This morning, XX/XX/2018, they sent me an email statement after I told them I do not want any information about my account online. No one answers at customer service to get this resolved. 
I do not want to have anything about my account done online. I consider it a breach of my personal information for them to send me email statements. If customer service refuses to answer, how am i supposed to resolve this? 
They also keep saving my bank account information even after I ask them to delete it. I never gave them permission to save my banking information at all. 
thank you for any help on this matter.

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 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 recently checked my credit reports and I found out some billing errors that violated the Law I attached the XXXX file of my dispute letters that were sent to the involved Bureaus My dispute letters were ignored and nothing happens so far.

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 2023-09-13
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
The rep from Care Credit that I spoke with before signing the agreement told me that the 24 month interest free promotion minimum premium would be less that {$70.00} per month for 24 months and as long as I paid the full {$7000.00} loan within the 24 months, no interest would be charged. XXXX, the manager advised me today that he was sorry that I got wrong information from his rep, but the min monthly payment is {$220.00} ( not under $ 70 monthly ) and there is nothing he can do about it. They record all calls at Care Credit, so I asked XXXX to review my original call with his rep and he advised me that it wouldnt make any difference, that my minimum monthly payment is {$220.00}. This is not what I was told I was getting.

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 2023-03-13
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: Account information incorrect

Complaint:
Inaccurate balance showing in credit report. Last credit card statement end balance was {$0.00} which statement ended the end of XXXX. I'm attaching the last statement for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: CITIBANK, N.A.
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:
My Bank XXXX merged with XXXX XXXX XXXX and is now XXXX. Due to the merger there were errors made on their on line banking platform, where auto debit payments were not made. 

A payment to Best Buy ( Citi Bank ) was missed by XXXX  XXXX. 

I have a letter from XXXX XXXX admitting their error. I have spoken to 15 or so Citi employees including a quite rude Supervisor named XXXX. 

Many were empathetic, and one Supervisor XXXX even went so far as to say " I see what happened and you should not be in the middle. We can fix this internally ''. When I followed up, Supervisor XXXX said " it's not our error, and our position at Citi is unless we make the error, we do not revise the credit report, even though you are not responsible ''. 

I am baffled as to how I as a consumer am being so negatively impacted with ZERO help.

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 2023-03-13
Company: Experian Information Solutions Inc.
State: NC
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:
This complaint is being submitted by XXXX XXXX, consumer and natural person. Please see attached identification. The following items listed on consumer report number XXXX, are a direct result of identity theft. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX Please see attached identity theft report. You shall block the reporting of this information in the consumer file of XXXX XXXX, not later than four ( 4 ) business days after receiving this notice.

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 2022-02-08
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against I.C. SYSTEM INC. for committing identity theft. I have never given I.C. SYSTEM INC. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until I.C. SYSTEM INC. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. 

If this documentary evidence can not be produced and I.C. System Inc. continues its collection efforts, I will file for litigation for actual damages caused and I.C. System will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. 

Your prompt attention and response are both requested and required. 

Certified Mail # 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