BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-17
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have previously disputed the entry of a tax lien # XXXX from the XXXX XXXX XXXX XXXX Court and have received a confusing response to the investigation of case # XXXX on XXXX XXXX XX/XX/2015. I am again asking that the provided documents be looked at again and that the lien record be removed due to the filing of a null and void of the judgment issued by the Ohio XXXX XXXX XXXX and XXXX XXXX courts. This decision vacating the judgment was due to the lien being filed in error, as indicated in several sources, and public record. I recently tried again to have this corrected by Equifax and it is currently pending under case # XXXX. Both XXXX and XXXX have removed this entry, and I feel that Equifax should also do this and work towards improving their response to these issues as there are a plethora of complaints on the internet about this same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: DISCOVER BANK
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
RE : Complaint # XXXX. I received an email on XXXX/XXXX/15 stating my payment of {$48.00} has been posted to my account yet discover card continued charging my account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX causing {$75.00} in overdraft fees plus a {$.00} transaction fee. No notice was received stating the payment due date had been changed from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Since XXXX I have been an account holder of a JC Penney credit card and since XXXX a Care Credit account. I have never been in default or delinquent since being a card holder. Even in a time of unemployment XXXX I made the minimum payment. I became employed in XXXX of XXXX, and still paid on time and used my credit card wisely. Although it has been a struggle living pay check to pay check I am a responsible card holder. JC Penney I had a XXXX credit card limit But in all the years as a card holder my balance remain manageable around XXXX. Care Credit was used in putting my ill dog to sleep and saving my cat 's life with emergency surgery. I have also used it to purchase my contact lenses. ( I have paid down a the XXXX balance I owe at the time of those XXXX emergencies involving my dog and cat ). During the period of unemployment I incurred unsecured debt for survival as many Americans like myself. I took steps to save my home and now to settled on some credit cards to start over. I enrolled in a Credit Card Settlement program XXXX out of XXXX XXXX California. ( I have already settled on XXXX credit card account ) OF course this action to settle XXXX of credit card debt affects the Credit Score. So my score dipped from XXXX to XXXX. On XXXX XXXX, and XXXX XXXX I received XXXX separate letters from SYNCHRONY BANK XXXX referring to my JCP account and the other Care Credit that due to my credit score and delinquencies they were lowering my credit limit on the credit cards. JCP up to {$100.00} to my balance and Care Credit in half. I feel these actions reflect a false impact on my credit score. Giving the appearance that I am in default or UP TO MY CREDIT LIMIT on both cards which I am NOT. The letter states " they are basing their decision on my entire credit history not solely your history with SYNCHRONY BANK ''. These actions I feel are unjustified and Have nothing to do with my other credit card account in the debt settlement. Further I feel that SYCHRONY BANK by these actions is putting my health at risk and my pets health at risk by constraining my use of my Care Credit account. Since, I am a XXXX enrollee I rely on this card for EYE CARE, DENTAL CARE AND PET CARE. JCP, after 36 years I can no longer shop at this department store after SYNCHRONY BANKS damaged my relationship by giving the appearance I am UP TO MY CREDIT LIMIT!!. I HAVE Done nothing wrong. SYNCHRONY BANKS action is totally unethical. PLAYING with people 's lives and their livelihood. I am not in default and Have AS A Consumer I feel that SYNCHRONY BANK is not serving in the best interest of customers. It sole purpose is deceive and gain monetarily off the backs of hard working customers. I expect restitution and restoration of my credit limit on both accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
I paid off the QVC Card to later find out my account is in collections. 
When making an order, I find out this account is in collections. 
I never received a notice of collections and never received a call. 
The collection company hung up on me for the first call. My second called proved they never tried to contact me via mail or spoken to me. I requested a letter of proof for this collection because I thing this is a scam or QVC is taking advantage of their customers and causing damage to their credit reports. I was informed my account was closed without a notice in the mail or a courtesy call. When I call QVC, they say this is a false statement. QVC has me running around to clear my credit and begging for answers they ca n't provide. However, this vicious cycle of credit destruction was caused by them. I 'm getting the run around.

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 2015-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Unauthorized inquiries on my Trans Union credit report. 
WWW.XXXX.comI have set up an account with XXXX to monitor all XXXX of my credit reports. I have noticed several dozen inquiries reporting on all XXXX credit reports that were not authorized by me in anyway. Rather than submitting XXXX dispute at a time regarding the unauthorized inquiries, I have attached a word document showing all unauthorized inquiries reporting on Transunion. I have included, the Inquiry Company, inquiry companies ' address and date of inquiry as well below. These unauthorized inquiries need to be removed immediately. XXXX Total.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: Experian Information Solutions Inc.
State: TN
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 am writing this letter to you regarding the service that I received from the credit reporting bureau Experian. Beginning in XX/XX/XXXX, I have been working with Experian Credit Bureau to dispute items that are posted on my credit report that are being reported in error. These items are drastically affecting my credit score in a negative manner and is causing me to be denied credit opportunities. I have sent four letters by certified mail within the past nine months to Experian Credit Bureau requesting that any, and all disputable items on my credit report be verified properly per the Fair Credit Reporting Act Section 609 ( a ) ( 1 ). 


Certified letters were delivered to XXXX on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

According ; to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit reporting bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract on all accounts that are disputed on a consumers credit report. Along with the verification process, I demanded to see Verifiable Proof of ( an original Consumer Contract with my Signature on it ) for the accounts that were being disputed on my file Under the FCRA, disputed accounts must be removed, if the credit bureau is unable to provide a copy of verifiable proof ie. ( Consumer Contract with Signature ), then the disputed account must be removed from the credit report. I have sent Experian several letters demanding that the accounts be verified per the FCRA. In their response to me ; Experian has stated that the accounts have been verified and updated. However ; Experian has yet to inform me on how they verified the disputed accounts and they have not provided me with a copy of the original contract with my signature on it as proof that the disputed account has been accurately verified. 



I have enclosed a list of the disputed accounts that remain on my credit report, as of the last credit report that I received from Experian dated XX/XX/XXXX Name of Account Account Verification Status per Credit Bureau XXXX XXXX XXXX XXXX XXXX Collection/Meets Requirement of FCRA XXXX XXXXXXXX XXXX XXXX XXXX Paid Closed/meets requirement FCRA XXXX XXXX XXXX Charge Off XXXX XXXX XXXX XXXX Purchased by lender XXXX XXXX XXXX XXXX XXXX XXXX Collection/Meets Requirement of FCRA XXXX XXXX XXXX XXXX Collection/Meets Requirement of 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 non-monetary relief
Consumer complaint received 2018-05-27
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
First transaction for a balance transfer loan for 21 months with zero percent interest was taken out in XXXX with payoff due XX/XX/XXXX. I always paid much more than the minimum payment due. 
I was considering taking out another balance transfer loan and asked a representative how my excess payments would be applied. I was told that once the interest was paid, the principal would be split evenly on both loans. So on XX/XX/XXXX I did another balance transfer loan at 1.99 % until XX/XX/XXXX. 
On XX/XX/XXXX I called to find out the balance on the original zero percent transfer to be sure it was paid off timely. I spoke first with XXXX who told me that I could not pay off the zero percent loan until the 1.99 % was paid off. She transferred me to XXXX XXXX, a supervisor from the Missouri office. He told me to pay the zero percent balance of {$700.00} on the XX/XX/XXXX. ( Note that my payment was due on the XXXX and I was not comfortable with him telling me to be late - so I spoke called another rep on XX/XX/XXXX. ) This time I spoke with supervisor, XXXX ID # XXXX and he told me that the loan payoff for the zero percent transfer was {$670.00}. I paid {$670.00} per his instructions on XX/XX/XXXX. 
Again I decided to speak with someone to be sure that paying the {$670.00} was correct. 
On XX/XX/XXXX I spoke with XXXX, a supervisor, who told me that the only way to pay off the zero percent transfer was to pay off the entire balance - both loans. 
I was so angry for being given misinformation so many times, that I did just that! I paid off the entire balance. 
As a consumer who is concerned for paying my bills on time and for the correct amount, I found the number of " supervisors '' who gave me misinformation disgraceful. How could I depend on their explanations and advise when half of the representatives that I spoke with were wrong? 
I have since come to understand that according to their rules, the " interest '' loan would be paid before the " zero interest '' loan. That part is ok. 
My concern is all the misinformation I was given. If I followed the initial advise of XXXX XXXX and paid my bill on theXX/XX/XXXX, I would then have been in default of the zero percent contract and been obligated to pay 21 months worth of interest on the original loan! 
There needs to be better oversight and training for the representatives who speak with consumers. WE DEPEND ON THEM!

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 2016-08-23
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card
Issue: Late fee

Complaint:
We purchased a new Sleep Number bed in XXXX 2013. The financing terms were 0 % interest for 3 years and the credit was issued through GE Capital Retail Bank. Having not received a bill by XX/XX/XXXX the following Spring, we called GECRB to see where things were. We were then informed our payment was not only due but the previous month was not paid and account was now delinquent. We immediately paid the bill and requested a bill actually be sent to us so auto-payments could be setup. The ensuing month 's bill ( XX/XX/XXXX ) arrived after the due date and again more late fees were applied. We called on this again and set the auto-payment to the billed amount. Later, we discovered GECRB also charged interest on the wrongly applied late fees and by that XX/XX/XXXX we paid an extra {$150.00} in more wrongly late fees. Auto-payments continued, however the interest on the wrongly applied late fees continued to build again with more errant late fees over the next 16 months resulting in GECRB ( now renamed Synchrony Bank ) demanding {$750.00} in late fees. Only this time, Synchrony Bank wrongly reported the account delinquent with the Credit Bureaus thus dropping the credit scoring. Despite evidence of all payments made and on time. We attempted to work with Synchrony Bank and submitted bank generated reports showing all payments with corresponding dates proving no late payments, however they have refused to remove the incorrect information to the Credit Bureaus or refund the over {$1000.00} in wrongly applied late fees & interest. Instead, Synchrony Bank responded by increasing the minimum payment due. We have disputed this with the Credit Bureaus only to find they consider themselves powerless when a Creditor chooses to send incorrect data to them. Synchrony Bank continues to refuse to make changes to the Credit Bureaus for this XXXX account. The Credit Bureaus have recognized a perfect credit history ( 20+ years ) and this one account is " out of character '' due to the only one ever in negative status. When an explanation is provided, it matches with the " expected '' behavior of someone with perfect credit. Yet, Synchrony Bank is unwilling to make changes to their incorrect reporting, despite the report evidence.

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 2016-12-16
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There are incorrect addresses and a incorrect name on my report. I was told to send in proof of address and name which I did and the reporting agency, EXPERIAN, did n't remove it like they said they would. It 's illegal to report inaccurate 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 2016-12-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX ACC # XXXX XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2016-01-12
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My account was NEVER late and was paid in full ON TIME after an accident that totalled the car. My insurance sent in settlement and Credit Acceptance Corp GAP insurance covered the balance. This was verified at the time it was happening. Recently upon pulling copies of my credit to find out why I was having issues, it was discovered that Credit Acceptance had marked the account as 'Derogatory ' and 'Payment after charge off/collection Paid collection '. 
I made contact with them recently which the customer service person saw that the account was indeed paid as agreed and never late, and claimed to forward the information to another department. I have received NO communications since then.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XX/XX/XXXX I pulled my Equifax Credit Report and noticed an account XXXX Account # XXXX on my report. On XX/XX/XXXX I disputed the information, XXXX Account # XXXX by sending a certified letter ( see attached ). I pulled my report several times after and the item was removed as evidenced in reports dated XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I received a credit alert and when I pulled my credit on XX/XX/XXXX discovered that Equifax had reinserted the debt! I was quite alarmed. This is a violation o the FDCRA and I need your help. Please know that I filed a similar complaint with you on XX/XX/XXXX Case Number:XXXX as Equifax did the same thing to me once before and they immediately deleted it. Clearly, they are willfully and maliciously sabotaging my credit report. I am asking that you to please help me. Please see all the attached proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX, XXXX Experian To the Corrections Department : I got a copy of my credit report and there are things that just are n't accurate on it. I am greatly concerned because I am a good paying person and do n't want people to think otherwise because of these mistakes that are on your report about me. Please fix the following items so anyone who looks at my credit report will see what a good payer I am. XXXX XXXX XXXX XXXX an investigation on the creditor, payment status, high credit, and the 24 month payment history. Revise every piece of information mention or erase this data from my report. XXXX XXXX Corroborate the veracity of this payment status and history, because I believe it is a mistake, please correct it XXXX XXXX XXXX XXXX XXXX am puzzled on this accounts information such as the payment status, comments, high balance, and terms. Possibly verify the data and repair or remove it from my credit file immediately Incorrect Name XXXX XXXX XXXX Can you make sure my name is presented completely. Update. XXXX XXXX A verification is needed on the status, comments, and the payment history. There could be mix up data and so repair what is needed or delete off my credit report XXXX XXXX XXXX XXXX If you could please compare your documents as i feel the account number, balance, pay status and high credit could be mistakenly reporting. If not accurate please withdraw from my report XXXX XXXX XXXX/XXXX/XXXX Verify the date shown and the creditor name presented as I believe this may be an mistake. Verify or erase this promptly from my report. 

XXXX XXXX XXXX DOB : XXXX/XXXX/XXXX SSN : ***********

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 2016-10-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I called Experian XXXX/XXXX/16 and tried to delete some incorrect personal information from my credit reports and they refused to which I do know is a violation of the FCRA. There are many incorrect addresses reporting on my credit report as well as phone numbers and employers. They even told me to file a police report for fraud which I know nothing about. 

I was looking at my report # XXXX, and I noticed that there were many incorrect personal information items on my file such as my name, address, and phone numbers. I need for them to delete all of the incorrect addresses and phone numbers below. And, delete those names that are shown below. 

Each and everything below needs to be deleted. It 's quite disturbing that they are putting others personal information on my file. 

DELETE THE ALL OF THE FOLLOWING NAMES, ADDRESSES, AND PHONE NUMBERS THAT DO NOT BELONG TO ME. 

Delete these names : XXXX XXXX XXXX XXXX XXXX Delete these phone numbers : XXXX XXXX XXXX Delete these addresses that are not mine and never have been mine : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX , XXXX , XXXX XXXX XXXX XXXX , XXXX , XXXX , XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX , XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX , XXXX XXXX XXXX XXXX , XXXX , XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief