BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-24
Company: SYNCHRONY FINANCIAL
State: NJ
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:
As I was enrolled in autopay through XXXX Synchrony Credit Card, on or about XX/XX/XXXX, the company deducted the amount of {$1300.00} ( amount due as of closing on XXXX XXXX ) twice from my checking account. I immediately called to complain and was told that this amount could only be refunded to me and that this refund could take up to 7-10 business days. Following that time period, I again notified the company as I had not received the check. I was then told that it had originally been noted as a dispute rather than a refund and that the dispute could now take up to 90 days. This customer service agent switched the complaint to a refund and said I could expect the check within 7-10 business days. I did finally receive the check but upon looking at my statement, I saw the same amount listed as a charge on my account. This greatly added to the usual monthly bill I receive from XXXX ( hovers around XXXX per month ). I complained at least XXXX times on the phone and have written numerous letters to their customer service center. I even supplied them with all of the charges I made since XXXX and all of the payments I made since that time and it does not add up to an amount that includes the {$1300.00}. I include the letter of complaint I wrote earlier this month as well as an accounting of all of my charges and payments. I pay the balance in full as of the bill closing date monthly. However, at this juncture, that amount is way too high for me to pay in XXXX month ; I will therefore incur interest charges which I attempt to avoid by paying the balance in full. I am seeking a resolution to this or I would like to see the charges that amount to an additional {$1300.00}. Attached you will find my letter explaining the situation as well as all of the charges posted and payments made since XX/XX/2021 to this account.

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 2020-06-19
Company: EQUIFAX, 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: Account information incorrect

Complaint:
FTC US Department of EDU total {$24000.00} XXXX  XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX  {$720.00} XXXX XXXX XXXX {$2200.00} US Dept. of EDUCATIO XXXX XXXX XXXX XXXX XXXX  Please remove these Inquiries ; XXXX XXXX XXXX, XXXX XXXX XXXX-XXXX accounts and XXXX XXXX  XXXX {$24.00} XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX , XXXX {$1400.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$840.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
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:
There are accounts on my credit report that aren't mind. Please remove 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 explanation
Consumer complaint received 2018-05-25
Company: RSI Enterprises, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have recently tried to fix my credit. There was a collection of {$99.00} that XXXX XXXX XXXX XXXX said that I owed. It was sent to RSI Enterprise collection agency. It went against my credit back in XX/XX/XXXX .... It is now XX/XX/XXXX, and I found out that my insurance paid it, so I disputed it on ALL 3 Credit Bureaus. The Bureaus declared it was paid, so they removed it from ALL 3 Bureaus. 2 days after the Bureaus removed it from my credit, I got 3 more bills from the collection agency saying I now owe a 1 ) XXXX bill, 2 ) {$98.00} bill, and 3 ) {$19.00} bill, that totals {$130.00}. I haven't received ANY BILLS from this collection agency since XX/XX/XXXX or so ... .I haven't been to that doctor since XX/XX/XXXX. How can the collection agency pull NEW BILLS out of the air. I believe it is fraud, but can't prove it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: AES/PHEAA
State: NV
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 DID NOT GIVE US DEPT OF EDUCATION CONSENT TO REPORT ANYTHING TO ANY THIRD PARTY AFFILIATE THAT DOES NOT HAVE A BINDING CONTRACT WITH MY WRITTEN CONSENT TO REPORT MY NON PUBLIC INFORMATION. US DEPT OF EDUCATION FRIVOLOUS AND WILLINGNESS TO VIOLATE MY RIGHT TO PRIVACY HAS CAUSED A TREMENDOUS AMOUNT OF DAMAGE IN MY LIFE. IN PURSUANT TO THE GRAMM-LEACH BAILEY ACT I WAS NOT GIVEN THE NOTICE TO OPT-OUT OF THIS SHARING OF MY NON PUBLIC PERSONAL INFORMATION. I DEMAND THAT THE US DEPT OF EDUCATION HEREBY BLOCK THE ACCOUNT THEY ARE FURNISHING IN RESPECT TO PROTECTING MY PERSONAL INFORMATION AS IT IS THERE DUTY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've been trying to correct some incorrect accounts on my credit report and my claims have being totally ignored by Equifax. I do not know what to think right now because they failed to respond to me and also failed to present me evidence. They lack any legal obligation or contract. I've never done business with them. Please remove quickly XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2022 I made a second payment on my credit card in the amount of {$570.00}. My available credit balance was not increase to reflect my true available balance until yesterday. 

After calling and speaking to three customer service agents at Discover, I was given false information when I was told that XXXX XXXX was holding the money that I paid to Discover via my checking account. However, yesterday I finally spoke with XXXX, a XXXX  with Discover who gave me great service and gave me the truth. He then referred me to the department that was responsible for placing an eight ( 8 ) day hold on my funds. No explanation was given to me as to why an 8 day hold was placed on my funds so that I did not have access to my funds that I paid. The representative who I spoke with told me that my payment was flagged for verification but she did not tell me why. Also, I was never notified as to my money being held for 8 days. 

Because I check my numbers and accounts everyday I was aware of the hold and my available balance not increasing for 8 days. No credit card company or financial institution should be allowed to do this to a consumer who pays their bill on time with an explanation. Therefore, I am filing this complaint against Discover card for suspicious behavior that could have caused me great harm had I been in a situation where I needed my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Factor Trust
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2022 - Called because XXXX said my certified mail was forwarded. I called Factor Trust as I wish to submit a human trafficking block request. I was informed that the address online is not for human trafficking and that they do not have it up yet. It is XX/XX/2022 and law went into effect in XX/XX/2022. They are breaking the law by not providing accurate and available information for human trafficking survivors about where to provide their block request. I sent in the request on XX/XX/2022, to their address online by certified mail, and as of today, they do not have accurate information about where to send the block request. I asked for a fax number and they could not provide it. I would like my certified mail amount back and also they are breaking the law by not providing accurate method for survivors to send in information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2022, I filed a dispute with Equifax about an authorized user account of mine that had been closed and charged off, by XXXXXXXX XXXX XXXX However, despite me telling them that I was not legally responsible for this account, they did not remove it from my credit report. On XX/XX/2022, I filed another dispute, emphasizing to them that they were legally obligated to remove it from their credit report, but on XX/XX/2022, they returned the results of the dispute with the same description : " WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. '' However, this is not my account. I am an authorized user. 

I have tried asking XXXX to remove myself as an authorized user, but they need the primary user 's permission to be able to remove myself as an authorized user. The primary user is unwilling to call them to do this, as they are currently in a lawsuit with XXXX. 

I have also tried telling Equifax on the phone about my situation and asking them why they can't remove this error on my report, but they keep telling me to file a dispute with them, but I have done that twice with no resolution. 

I will be disputing with Equifax once again today at XX/XX/2022 to see if I can have some type of resolution, but I doubt they will have a different response as before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently was informed ( after a title search on my property ) that there was some judgement ( I was never aware of ) for Midland Funding. I have never had any sort of relationship with this company. Therefore, I have requested ( with no response ) how they somehow obtained some debt, judgement for me. I did a search online. I see that Midland Funding and Midland Credit Management have partnered to service accounts ; per this website I came across https : //www.midlandfunding.com/. More importantly I came across this site from a law firm which references many violations per the ( FCRA ) Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX, etc. I believe these complaints should be taken seriously and investigated. I am another consumer with similar complaints. Perhaps the Attorney General should look into this company. Some of the consumer complaints are serious as it is on borderline of harassment, illegally debiting customers ' accounts, etc. I want to know how this Midland Funding obtained some ( so called debt ) and judgment for me. I would like an explanation of an itemized transaction history, previous charged off accounts, creditors, payoffs. Midland Funding more than likely obtained a charged off debt from another creditor. I want to know who the original creditor is. I feel more comfortable paying that ( original creditor ) I owe debt to directly, since I might have had a prior relationship with them. I don't have an account number, only a document which provides Court judgement info. I will request a court/judge demand the information I am requesting if it isn't received. Also, a judge to vacate judgement for lack of service. I never received any notification from Midland Funding. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to formally file a complaint against EQUIFAX located in XXXX XXXX ; XXXX located in XXXX XXXX and XXXX located in XXXX XXXX This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, EQUIFAX, XXXX AND XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of EQUIFAX, XXXX AND XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had a credit card with XXXX XXXX  for a XXXX XXXX. I charged a {$40.00} to this card number online. Gap instead charged a new account that they opened in my name with Barclay 's bank. Barclay did not send me the credit card and refuses to send me a card, and says that if I don't pay this bill ( without an account number ) by XX/XX/22, they will charge me a late fee and interest, and that I must give them my bank account ( checking ) account number, social security number, address, birth date, and everything they need to steal my identity. Barclays will not actually give me the account number so that I can pay my bill myself. XXXX will not move the charge to a different card. ( XXXX ) I never agreed to open a credit card with Barclays, ( XXXX ) I never charged anything to the Barclays card ( only to the XXXX card ), and ( XXXX ) both Barclays and XXXX refuse to give me the account number or to remove the {$40.00} unless fees are paid under a blank check. 

The XXXX account ends in 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 2022-06-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I am writing to delete the incorrect information in my report. Someone stole my information and signed up for things in my name. The items I need deleted are listed in the report. I became a victim of identity theft. I have filled out a report with the federal trade commission also and the reference number is XXXX. I ask that the items be deleted to correct my credit report. It is super overwhelming to have to go through this and would like for this to be deleted ASAP. 
Thank You I demand that the following account be verified or removed immediately : XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

Please remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was being charged for XXXX and never authorized it and never used it for some woman on the internet. 
I wanted to cancel XXXX but they were unwilling to do so. I paid {$50.00} charged by the bank to cancel the payments but I am still being billed for something I never authorized or used. Could you please have the TD Bank cancel XXXX and no longer charge me the monthly fee. 
TD promised to reimburse me the fees for the past months but now refusing to do so. 
I am being charged for XXXX which I do not want and never ordered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: Colony Brands, Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Got a bill from Montgomery ward saying I owed them XXXX account number XXXX I did not buy anything from them but they keep sending me bills and now have sent me to a collections company I never ordered anything from them they have never called me for anything just keep getting letters in the mail I've called them about the they said report identity fraud so that's what I'm doing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 requested multiple times for XXXX to reinvestigate a bankruptcy being reported on my credit report. I provided proof that XXXX has reinvestigated my claim and removed the inaccurate reporting of a bankruptcy on my credit report. Still XXXX refuses to reinvestigate after I have provided additional information that I don't have a bankruptcy on file. They asked for proof, I provide proof but they still refuse to reinvestigate.

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 2022-09-20
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Enhanced Recovery Service on XX/XX/22 and asked for a settlement amount and the representative told me they would settle for {$590.00}. I paid the amount quoted to me by the ERC representative. One week later I requested a payoff letter, instead of sending me a payoff letter showing that I have paid the debt in full or satisfied the debt I received a vague correspondence stating that I still owe them {$190.00}. The correspondence letter also reads as if the company has not received the payment of {$590.00}, in which I know it has because the automated system tells me that the debt is paid in full. Bottom line the company will not send me a proper payoff letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified, that I have disputed. Please resolve this matter as soon as possible. Thank You.

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 2022-06-25
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I went to buy a car from XXXX XXXX XXXX due to a financing ad they had posted about a great interest rate. I was aware they would run my credit and signed for them to do so, however, they ran my information/credit through SEVERAL different loan agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX. I am assuming XXXX XXXX, XXXX XXXX and XXXX XXXX are all the same and permission was given but I did not give permission for the other 10 Companies and Id like them removed.

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