BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My tuition payment for XXXX euros to XXXX XXXX XXXX in XXXX, XXXX was due at the beginning of XXXX. However, because of an internal auditing issue, the university asked me to send my tuition to their subsidiary bank, XXXX, in XXXX. XXXX XXXX and I complied by converting the amount to XXXX pesos and then sending the payment to the IBAN and SWIFT codes provided by the university. It has been a month and XXXX still claims they have not received the payment. XXXX XXXX placed a trace but the result was apparently inconclusive ; XXXX was not very transparent with their end of the trace. XXXX XXXX has since placed a recall of funds but we have not heard back in 2 weeks. At the same time, the university is threatening me for having an outstanding balance on my tuition. Who is liable for what? What can I do to fulfill my legal obligations?

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 2023-01-09
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello, I have an Amazon Store Card through Synchrony Bank. They took out my payment twice from my checking account for {$250.00} on XX/XX/2023. 

I contacted them on XX/XX/XXXX about the issue. Had I not mentioned it, they would have never said anything. 

I currently have a credit of {$250.00} on my account. The customer representative told me a check was being sent and might arrive in XXXX business days.

This was an electronic payment ; it needs to be reversed electronically and immediately. The company sitting on my money for 14 business days is unacceptable.

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 2023-01-24
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:
This company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months. 

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer. 
By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates.

EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under XXXX XXXX XXXX sec. XXXX. 

Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: HI
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:
The attached document account with DCS/Division of Child SupportXXXX , is inaccurate , fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this DCS/Division of Child Support account : Please remove all of the inquiries as stated above, as they are listed below from the Equifax report . The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below. This item shall be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
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: Personal information incorrect

Complaint:
I looked at my free credit reports and the addresses being reported is wrong. Completely wrong and this needs to be removed. Equifax, XXXX and XXXX are reporting addresses where I've never lived and are not my current or former addresses. This gives me concern because I don't want any fraud or information that's not mine on my credit reports. I have tried to dispute this inaccurate information with the credit bureaus on XX/XX/2020, XX/XX/2020 and XX/XX/2020 but they won't remove the inaccurate addresses which is terrible. Please help. I attached my photo ID and credit report screenshots for you to see the errors I'm talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Continental Finance Company, LLC
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is the third complaint I have filed against the company for incorrect information being reported on my credit report. In their last letter dated XX/XX/2020, they stated that the AUD from the first complaint was sent however " it appears that this updated did not reflect on your credit report as there was a delay in updating with the bureaus. '' The implies that they have made two requests to update the bureaus however this is false information. As you can see from the attached documents the reporting has been incorrect in several different ways and times : The account was listed as open but incorrect balance The account was listed as open but delinquent The account was listed as closed with incorrect balance The account was listed as closed with a {$0.00} balance The account was once again listed as charged off and sold to a debt buyer The accounts are reported differently on different credit reporting agencies during the same time period. 
I have also sent a separate certified letter to the VP of Customer Relations and two separate certified letters to the President of the company and those letter have not been answered other then the original answer to the CFPB complaints. I am at a loss as to what I need to do to get this fixed. The company has lied to me on multiple occasions that this would be fixed and has provided false information to the CFPB.

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 2020-07-09
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$3100.00} XXXX   XXXX {$450.00} XXXX XXXX {$3800.00} XXXX XXXX {$5600.00} XXXX XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$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 2020-07-09
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX, I contacted American Express, to correct their records and behavior, with the attached message, and USPS tracking receipt, and filed FTC complaints in regard to that behavior. Previously, on XX/XX/XXXX, I contacted to American Express, to dispute the validity and amount they allege, as well as request they cease and desist all communication, and only communicate when necessary under the Fair Collection Acts, via Certified USPS Mail. Today, on XX/XX/XXXX, I received the attached e-mail, in violation, stating that American Express is honoring a request for account statements. I HAVE NOT MADE A REQUEST FOR ACCOUNT STATEMENTS. I have asked American Express in writing not to contact me, but they continue to ignore my request, leaving little choice other than continuing to report the violations, and pursue other remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: GA
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 previously disputed these accounts and you still have not removed them they are not mine ; they are authorized user accounts and one fraudulent account belonging to someone else, the debts do not belong to me. I will sue for negligent investigation practices considering this is my THIRD time disputing, and these accounts are not mine and ruining my credit. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I will sue for negligence and sue for damages. Please remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: EOS Holdings, 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: Account status incorrect

Complaint:
I returned the equipment for this account this was over 7 years ago I settled with this company, I keep on seeing this on my credit file over and over again even though I am no longer liable for this account have I already settled with this company in 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Firstsource Business Process Services, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On or about XX/XX/2018 I received a billing invoice from XXXX XXXX in the amount of {$280.00}. I am XXXX and unable to pay the entire amount. On XX/XX/2018 I sent a payment on account of {$20.00}. They accepted the payment, the check cleared my bank on XX/XX/2018. 

Beginning on XX/XX/2018 and continuing through today, XX/XX/2018, I have received 80 calls on my cellphone from the debt collector. They have called as many as 18 times in the space of two minutes. They leave no messages, they just continue to call. 

I've done my research on XXXX XXXX. They have a reputation for harassment, verbal abuse, and unreasonable payment demands. I have nothing and I have no income. I intend to pay the amount owed but I will not be threatened, harassed, or bullied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: CURO Intermediate Holdings
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have been unable to make payments exceeding the minimum required payment amount since taking out the loan. The minimum payment insures I will pay massive amounts of interest to XXXX. I would like to pay down/off the balance of the loan but have been unable to do so. 

There are no links on their website ( desktop or mobile ) to make a payment. The link to make a payment on their mobile app is broken and says " payments are not available at this time ''. I've emailed them twice now, once in early late XX/XX/XXXX and again on XX/XX/2018. I've tried calling multiple times to setup a payment and or ask about their " broken '' wesbite/app features, but I have never been able to get a hold of a an actual person. 

The way everything is with their website, app, and non-existent phone reps it seems like they almost don't want the principal amount paid down ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is 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 response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: WELLS FARGO & COMPANY
State: AL
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:
I have credit inquires from Wells Fargo Dealer Services from the dates of XX/XX/2017 and XX/XX/2017. I have no knowledge of agreeing for them to place these credit inquiries and have disputed with both Wells Fargo Dealer Services and XXXX  numberous times with no help from customer service from either company.

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 2021-06-09
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This original company was aware of identity theft due to my military status. After agreeing to REMOVE the negative debt since I never applied for it, they charged it off and the collection company continues to reage the debt resale and has damaged my militaryservice record and hurt my credit. The debt is NOT mine. I have requested copies of original contract, proof of legal right to collect and proof of verification method nothing has been given to me. 










PERMANENTLY REMOVE-off my credit report pay damages in the amount of {$5000.00}.

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 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please review attached documents. EOS CCA has contacted me after given a cease and desist, never rebutted the affidavit of truth line by line, never paid specified remedy, still stated that I owe a debt. They're in violation of 15 usc 1681 & 15 usc 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Resurgent Capital Services L.P.
State: AZ
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:
A collection company, XXXX XXXX, reported an account to the credit agency 's, XXXX XXXX and XXXX, on XXXX XXXX that an amount of {$440.00} was owed, but was paid and satisfied from XXXX XXXX I disputed this account with the credit agency stating that this account is not mine nor was I an authorize user on it. I do however have 4 XXXX XXXX accounts that have been in good standing for years now. The credit card account number that is being reported is not connected to any of of my current accounts., but for some reason when they last updated their information XXXX XXXX, XXXX, they did not verify it properly. I contacted the company and requested documentation proving this account belong to me, along with the information of how the account was paid off, but as of today, I still have not received it. Furthermore, I contacted XXXX XXXX, and they said this account number, last four digits, was never associated to me or any of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: BARCLAYS BANK DELAWARE
State: NV
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: Overcharged for something you did purchase with the card

Complaint:
I have a {$35.00} charge on my bill that does not belong. I have tried reaching the merchant but they are unable to assist and was told to contact my bank. I've been trying to reach someone at Barclay 's for the past few days. I have spent more than 2+ hours on hold only to be hung up on. They're online chat/messaging is useless and only provides canned responses. Their online dispute portal gives an error, etc. Barclay 's has made it impossible to reach anyone at their customer support. They have messages blaming Covid, but here we are 4+ months into it and they haven't gotten it together yet. I find this unacceptable and an atrocious business practice. A XXXX search for 'barclays ' returns many many others experiencing the exact same thing as myself. I would like this complaint to also document that I have been attempting to resolve a billing dispute. I don't want Barclay 's to pull something saying that it was not submitted in a timely 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 monetary relief
Consumer complaint received 2018-10-01
Company: EQUIFAX, INC.
State: MA
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:
Equifax have my wrong date of birth. They are seemingly refusing to change it, in an act of gross laziness. I have twice faxed in my state ID to correct it. Each time I was assured it would be corrected within 48 hours. It was not, either time. I have contacted the XXXX  social media team, called 5 times, and faxed in my state ID twice.

To give an example of how frustrating it is to call, today I called once, and was told everything was down and they couldn't check anything, call back later. Then I called again later today and this time I was told it would take up to 30 days to correct. That's absolutely unacceptable. This error is making it difficult to apply for certain bank accounts and cards online. I was unable to open an XXXX account with a {$350.00} bonus because XXXX checked with Equifax and was unable to verify me due to Equifax 's incorrect information.

XXXX and XXXX   have the right DoB I believe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Multiple occasions - Unable to view or maintain credit report. This company constantly prompts for some sort of payment. 

You can not file a dispute nor view reports. They constantly request that you phone a number or pay.

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