BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-03
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I went into Dicks Sporting goods to make a purchase. The lady at counter convinced me to take out a credit card with the promise of a 25 % refund either mailed to me or taken off my first bill. I did not want a card, but the deal was too good to pass up. 

After taking out the card I never received the 25 % refund, so I had to jump through tons of hoops for absolutely no benefit. It turns out the lady at Dick 's Sporting goods entered the information into the system incorrectly. 

I spent over XXXX hours with Synchrony bank and the people at Rewards of XXXX XXXX. None of the technicians could help me and it was over a half an hour wait for a XXXX. A XXXX said she would fix the problem, but it appears the problem was never fixed. 

I am going to pay the full price, no discount included, and close out the card. 

I made several calls on XXXX around XXXX to XXXX XXXX ). I also called several times before that.

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 2017-10-03
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 am a victim of identity theft. Several inquiries are showing on my credit report that were not authorized by me. These inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of the companies listed above obtained my credit report due to fraud. I have contacted each company and all companies have agreed to request the removal of the inquiry from my credit report. As of XXXX/XXXX/XXXX these inquiries are still showing on XXXX or more of my credit reports. I have attached a PDF of the letters I have received from the creditors above showing they have requested the removal of the inquires. I have also attached a copy of my photo ID for verification purposes.

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 2020-04-24
Company: Midwest Recovery Systems
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I received a Debt Collection Notice from Midwest Recovery System : for {$760.00} in my name, originating from XXXX XXXX. It says the loan originated on XX/XX/2020. It was reported on my XXXX  credit report under my ssn and had negatively affected my credit score. This loan is NOT mine. I believe I was a victim of a scam or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: CITIBANK, N.A.
State: HI
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/2020 my wife and I purchased 2 airline tickets from XXXX XXXX on our CITI bank/XXXX XXXX credit card. XXXX XXXX changed the reservation and cancelled the leg of the route that gets us from the island of Hawaii to the mainland. We contacted XXXX XXXX and they agreed to refund the purchase price of the ticket in 7-10 days ( XX/XX/2020 ). We have contacted XXXX XXXX about the refund 2 additional times. Their response is that it is in process and that they can not provide the services that I purchased due to the flights from XXXX Hawaii being cancelled. The credit card company is saying that I have to wait 30 days to give XXXX XXXX to credit my card before I can dispute the charge. In my credit card agreement I can dispute a charge if I purchase an item and the company does not provide services. It does not say anything about a waiting period. Citi Bank is charging me interest on the purchase and not allowing me to dispute the charge for 30 days in violation of my credit card agreement.

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 2022-04-06
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Contacted I.Q. Data International , INC in response to a letter I received in the mail on XX/XX/XXXX, spoke with a rep named XXXX and asked for a detailed statement of account. 
She stated that I owed XXXX and that I moved XX/XX/XXXX which is completely incorrect I moved XX/XX/XXXX and I only owed 1 month and thats XX/XX/XXXX. I would like to have this matter settled immediately. Please assist me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03
Company: Trident Asset Management, L.L.C.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit report shows fradulent account in collection with Trident Asset Management.  Credit report states account was opened under XXXX XX/XX/XXXX, and the date " deliquency first reported '' is less than 1 month later, XX/XX/XXXX. However, " date of first deliquency '' is almost two years prior, XX/XX/XXXX. 

I have only ever had an account with XXXX for a very short time before the XXXX buyout, starting in XXXX XXXX. The debt owed is NOT my personal debt and I have received zero notices from Trident regarding this deliquent account. Attempts to contact the company directly resulted in the company violently terminating the phone call without prompt. Clearly they are VERY LIKELY engaging in illegal activity and fraud, given the amount of reports listed on this website and others ( XXXX, BBB, etc. ). 

I have filed disputes with XXXX and the other bureaus are pending. If necessary, I can followup with XXXX to confirm I have never had an account in or around the dates Trident Asset Management has listed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was surprised by owing a large debt for electricity in a rental I believed I was not supposed to pay for. It went into collection, I realized I am actually responsible for the debt, and started dealing with my electric company regarding it. The power company informed me I can pay them directly, and bypass the debt agency. 

The number they are contacting is my work number. I have no idea how they got my work number, but they call it almost every day. I told them to stop calling it. They also send bills to my work address. I have a personal phone, and home address where my electric service was at, so it is odd they continue to call my work phone. 

I have asked them to stop, but it seems to do nothing. 
XXXX are only the calls I have recorded the dates/times ... there have been more. 
They call from the number : ( XXXX ) XXXX CALLS : XXXX/XXXX/XXXX at XXXX CST XXXX/XXXX/XXXX at XXXX CST XXXX/XXXX/XXXX at XXXX CST

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: EQUIFAX, INC.
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:
XXXX XXXX ( ca n't remember exact date ) I called equifax for the 6th time this month to report that fraudulent activity was going on with my account. Somehow I kept getting inquires added to my account that I was not authorizing. I thought that maybe this could have been from the data breach that was going on. I have XXXX inquires that I did not authorize. After being on hold and hung up on numerous times I finally got one of the rudest people ever. I informed the rep that I had already reached out to most of the creditors and that all they told me was they would dispute but it would be best to call the credit bureaus to have them delete the inquires since it was affecting my credit score and because I did not authorize. The rep basically told me I was liar, made me feel stupid, belittled me, and would not transfer me to a different rep or management. He wouldnt even give me his name to make a complaint on him. I informed him all I wanted was all inquires deleted off my account because I NEVER made any of them and that my score drastically decreased because of it. I had never felt so belittled in my life. After listening to this rep make me feel like a complete XXXX and that I was doing something wrong I ask to speak to a manager this rep actually told me he refused to transfer me because I was a liar and no one could do anything for me. I never in my life felt the way this rep made me feel and it made me hate equifax for it. All I wanted was some unauthorized inquires deleted. That 's it!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
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:
I recently paid off XXXX in credit card debt, 5 weeks ago. My credit report still states an 83 % usage of rotating credit. This is incorrect, the time it takes for agencies to improve your score after paying debt off, is far longer than usage impacts your credit score. This is unfair and wrong, how long will it take for my credit score to be reflective of my good credit???

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Public record information inaccurate

Complaint:
XX/XX/XXXX : I called XXXX XXXX about refinancing a rental cottage. They told me my credit report showed house was discharged ( lost ) in a bankruptcy. So I can not refinance. Rep told me BAC never reaffirmed that I was paying.

I called XXXX XXXX. They say their Bankruptcy dept will look into it. I could call back in a few days to see if they 've done anything (!! ) I checked the 3 Credit Reports. All of them show the following incorrect information : 1. That my cottage mortgage to BAC was discharged in bankruptcy and now was closed. TRUTH ; It was not discharged. While it was on the bankruptcy list, I missed 3 payments to BAC. Judge allowed me to keep the property. BAC transferred the note to XXXX, who has a debt service contract with them. XXXX  assigned a new acct number.

I paid the back payments and then made every monthly payment.

After a year of making EVERY payment, XXXX transferred note back to BAC. BAC used the original loan number.

HOWEVER, BAC NEVER REAFFIRMED MY PAYMENTS. Sidebar : BAC also did not pay the taxes due XX/XX/XXXX because they said a ) insufficient funds in escrow even though I had been assuming they were collecting tax funds needed and b ) XXXX county allowed them to pay in XX/XX/XXXX. Result : I did not get the XX/XX/XXXX tax credit for taxes paid! They should be closed for this incompetency. If insufficient funds, it was their fault. I paid the mortgage and escrow!

2. My credit reports ( 3 ) state that my mortgage to XXXX was discharged in bankruptcy and then just listed as transferred.

RESULT : IT APPEARS I LOST TWO HOUSES IN BANKRUPTCY WHEN I DID N'T LOSE ANY!

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 2022-04-07
Company: Kriya Capital, LLC
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Every couple years, debt that is not mine is sent to a new collection agency. I fight it, it is found to be in my favor, and is deleted from my credit report. It has happened again with Credence Resource Management regarding the same cellular phone bill for {$1200.00}. All they have done is send a paper stating that they feel I owe it, which I do not. This account has been proven numerous times to belong to a former family member with a similar name. My name is XXXX XXXX, whereas this belongs to XXXX XXXX. Due to the similarity, I do understand the confusion, but this debt simply is not mine. PLease once again delete it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
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: Investigation took more than 30 days

Complaint:
I sent disputed to Equifaxfor inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
XXXX client, XXXX XXXX is a victim of identity theft. She was notified that someone used her information without her consent to apply for an account with CBNA. While an account was not established the application resulted in a fraudulent inquiry on her XXXX credit report X/XX/17. An official dispute of this inquiry was sent to CBNA XX/XX/17 however as of today XXXXX/XX/2017 the fraudulent inquiry is still being reported which is a violation of her consumer right under the FCRA.

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 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Problem getting your free annual credit report

Complaint:
Credit bureau reports applicant is deceased The credit report is not available

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 2017-12-26
Company: Experian Information Solutions Inc.
State: KS
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:
In XX/XX/XXXX I was filling out applications for employment at XXXX XXXX when their databases were hacked. Those who used the XXXX XXXX site received notices to contact all ( 3 ) Credit Bureaus and request a long term freeze and fraud alert for their credit bureau files. I wrote letters to all ( 3 ) credit bureaus with the information the XXXX XXXX gave me and a request for a fraud alert, freeze, and removal of the fraudulent data. All three wrote me back and confirmed these requests, however, on XX/XX/XXXX, there was a fraudulent request for credit on my credit report and my updated address ( XXXX XXXX XXXX XXXX, XXXX, KS XXXX ) and the removal of my old phone # ( XXXX ) XXXX had been taken care of. But they did not put the freeze on and they allowed someone to put a hard hit on my credit report for XXXX XXXX in XXXX XXXX, Californiia. They allow people to pull without reason from citizens ' credit reports. Please help me!!!

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 2021-12-01
Company: TRUIST FINANCIAL CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have never paid a car note late if I cant pay I always make arrangements. XXXX XXXX XXXX I was in the hospital for XXXX weeks which o told them I can send them proof. They gave me an extension which covers XXXX, XXXX and XXXX making my next payment due XX/XX/XXXX. They reported I missed a payment and in the XXXX years I have had this car loan I have never been late. I feel this should be corrected because it did bring my score down.

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 2020-11-18
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home loan on XX/XX/2020. I wanted to pay my mortage dues twice a month so that I can save some intrest. 

But when I paid the first half of the payment, they are not adding towards my account and saying that its not a full payment. My total payment are for the month are {$2100.00} and I am sending payment of {$1000.00} twice a month and I am paying 2 weeks before the due. 

My complain is they are cashing my payments but not applying towards my account and I am still paying intrest in full even though I have paid in partial. 

This is what I am trying to acheive by paying bi weekly XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
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 found the following fraudulent accounts on my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX {$760.00} act # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: BARCLAYS BANK DELAWARE
State: UT
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:
Barclay Bank Delaware # XXXX is reporting lates on XXXX XXXX XX/XX/2020. Due to unforeseen circumstances surrounding the pandemic of COVID19 & the lack of hours provided by my employer, I was severely financially impacted. I have had an account with you for a very long time and plea with you as a one time courtesy to remove these lates off my credit file. Also, DO NOT put a dispute notation on my credit report please.

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 2019-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
TransUnion is reporting TWO negative accounts under my credit report. I have tried contacting the creditors of these accounts, but no help has been resolved. 
The two negative accounts are : 1. XXXX XXXX XXXX Someone used my information for a car loan and signed my name. I DO NOT OWN A VEHICLE FINANCED with this company. 

2. XXXX XXXX I have NEVER contacted this company in my life. Yet they are stating i owe them a {$200.00} unpaid amount. 

. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed ABOVE.

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 2021-09-07
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OPENED FRAUDULENT ACCOUNTS WITHOUT MY CONSENT AND KNOWLEDGE. NUMEROUS TIMES I HAVE REACHED OUT TO THE CREDITOR AND TO THE BUREAUS TO HAVE THE FRAUDULENT ITEMS REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief