BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
synchrony bank allowed someone to open accounts in my name when i was in XXXX XXXX and I had no knowledge until i checked my credit because i want to make a auto purchase. And now my account is in collection and I need it remove as soon as possible because im not responsible for such a bill.Why do a XXXXXXXX XXXX XXXX XXXX XXXX XXXX need a card to JCP and Ashleys Furniture when i live with my parents. Send me documents that show i opened the account not a copy of a bill because that isn't proof. 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 2023-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
on the following dates, someone used my social security number to attempt to to obtain accounts in my name. There were no accounts opened that I am aware of, but these inquiries were not authorized by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I just learned about theseu inquiries on XX/XX/XXXX when I checked my credit because I wanted to purchase my first vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: Sequoia Financial Services
State: AZ
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:
Sequoia financial services ( aka XXXX XXXX ) They had fraudulently changed the balance owed on my account and its putting my credit report in financial distress. Ive written letters got in touch with both companies as well as XXXX and its a whos who when it comes to the course of action. They blame the credit bureau the credit bureau blames the company : In short sequoia reports the amount as {$450.00} then changes it to {$450.00} the following month then back up to {$450.00} the month after it continues on this pattern which hurts my credit score. Its inaccurate and fraudulent and needs to be removed from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'm submitting this complaint personally to resolve issues regarding incorrect personal information and unauthorized inquiries on my credit record. The information in question is not mine, and I urgently request the removal of this fraudulent 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 non-monetary relief
Consumer complaint received 2023-01-30
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off this debt by garnish of my wages through the XXXX XXXX department 6 years ago Original debt XX/XX/17 XXXX I paid XXXX I intrest!! 
This company is saying I owe XXXX Midland Credit Management Acct number listed on my letter XXXX I am XXXX XXXX XXXX This is unbelievable Please assist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act Convergent Account # {$1200.00} XXXXXXXX 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 XXXXXXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not, furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SPS ( servicer ) and XXXX XXXX ( investor ) refuse to review the mortgage for any workout options. Please see attached Qualified Written Request, reply accurately and in full, and please review the homeowner for a loan modification and/or repayment plan. A complete assistance request package to follow within 48 hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have disputed the same accounts multiple times and after the so called investigation by the credit bureaus it has not been resolved. With the indisputable truth and failure to disclose all information on credit reports even after disputes and still withholding information of my credit report from me. In regards to the following accounts : XXXX account number XXXX and account XXXX  account number 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 2023-09-17
Company: Open Dealer Exchange, LLC
State: FL
Product: Credit reporting 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:
there are 4 inquires on my credit profile that i do not recognize, i have contacted XXXX 4 times now about it and it still is showing on my profile. these inquiries are XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX ( Auto ) XX/XX/2023 XXXX  XXXX ( Bank ) XX/XX/2023 I never attempted to get these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: ENOVA INTERNATIONAL, INC.
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I have had many credit checks and monitoring and netcredit keeps saying they can not verify my identity and can not elaborate but i checked with the companies they use and they all reflect what I put on the loan application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Ive been a victim of identity theft. 
XXXXXXXX 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 explanation
Consumer complaint received 2023-02-27
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:
Transunion is reporting a derogatory " late payment '' from XXXX XXXX, but the account is charged off and closed. This account must be deleted immediately for FCRA violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Original creditor TX XXXX XXXX XXXX XXXX Balance : {$190.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX  XXXX XXXX Creditor Name : XXXX XXXX XXXX XXXX TEXAS ) XXXX Balance : {$80.00}, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX  Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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/2023 I sent a letter to the courthouse asking them if they report bankruptcy to the bureaus, they responded with a letter saying they do not report to any reporting agency. If thats the case how was this account verified? This further explains that there was not a fair investigation but ion according to USC 15 181 sec 603 E states. The term investigative consumer report and portion thereof. are obtained through personal interviews 15usc 1681 section 602 states that I have rights to privacy 15 USC 1681 604 a section..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: CAINE & WEINER COMPANY, INC.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX whose collection agency is Caine & Weiner is reporting a collection amount of a {$340.00} balance. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section XXXX of title XXXX Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
have an XXXX XXXX card and my payments are on the XXXX of each month, and by mistake I made two payments last month on the XXXX and XXXX of {$1000.00} each, when I realized I called them and they say that the return process A payment takes more than a week and today it is 2 weeks and they do not return my money, and I made two purchases and they have already been deducted and my payment for the following month is also deducted, I think it is not correct, they just charge a fee if you spend a day quickly they should process the refund of my money quickly and wait for the day of my next payment for me to do it and not for them to charge it directly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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

Company response to consumer: In progress
Consumer complaint received 2023-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My XXXX XXXX  mother passed away last year and had a fiduciary/insurance agent supposedly taking care of her finances. As it turns out, he stole over {$750000.00} by using her bank accounts to pay off his own loans, debts ( Capital One, XXXX, XXXX XXXX ), mortgage, car payments, utility bills, family trips, eating out, and just about everything that he could. He brought his house out of foreclosure and sold it less than two weeks after she died. He then moved out of state ( without telling anyone ) to XXXX, TN. 
The banking records were received under subpoena as the man, XXXX XXXX XXXX DOB : XX/XX/83 ), who was also appointed as the executor to her will, stopped responding to requests made by the beneficiaries as well as the attorney that he hired from the law firm that wrote my mother 's will. She had accounts at : XXXX XXXX and XXXX. 
He used these accounts to pay off his own credit card debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Continental Finance Company, LLC
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Payments made from XXXX on cards ending in XXXX and XXXX havent posted on statements as terms and conditions have stated which affected my credit. Company wont lower monthly minimum or interest

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). Listing these items as information without verifying them within the legally mandated time frame is unacceptable. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 XXXXXX/XX/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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reportingt Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit

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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Closed Accounts : XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-29
Company: Experian Information Solutions 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:
I am requesting Experian, XXXX, and XXXX request and provide signed copies of all of the disclosures guaranteed to me as a natural person with rights under 15 U.S.C. 6803 ( a ) while the current reinvestigation is taking place into the accuracy of the account listed below by the credit reporting agencies. 

Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX For reference : 15 USC 6803 ( a ) states ; DISCLOSURE REQUIRED- At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title.

I do not recall receiving any such disclosures. I have requested that I be provided with these disclosures within 15 days the request was sent.

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 2023-11-14
Company: I.C. System, Inc.
State: NC
Product: Credit reporting 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 XX/XX/2023 FOR XXXX XX/XX/2023 FOR XXXX XX/XX/XXXX FOR XXXX THE ITEMS ABOUT WERE PUT ON MY CONSUMER REPORTS AND I WOULD 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