BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: Account Control Technology, Inc.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On, XX/XX/2022 I received a notification to pay a debt to Account Control Technologies for an outstanding balance to XXXX University. I made the payment by phone on XX/XX/2022, but I didnt receive any receipt of payment made in full letter. Now this was not reported to XXXX and Account Control Technologies does not see the payment. The payment was for {$650.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony bank ( line of credit for XXXX XXXX ) closed my account with out my permission, with a balance. When we have paid the card down to 30 % or lower, synchrony dropped our credit limit to the balance so it is always maxed out. This has greatly affected my credit report. 


I also have another account with synchrony XXXX XXXX. This account has also been lowered on my credit limit. Whenever we get to about 30 % or lower of the credit limit they drop my limit to the balance maxing out the credit line. 


There was also an issue when, the other person on the account did a balance transfer and the bank transferred the wrong balance. XXXX reported it as a late payment although there was no balance to pay when logging into the site. We called them to correct the issue, and our payment amount and payment history was incorrect for XXXX  months until it was corrected. 

We don't think it is correct that they can just lower our credit limit when we have been making onetime payments and have good history with them. Closing our account with an open balance has a major affect on our credit and borrowing history and causes us issues in the future. We don't feel like we did anything to give them a reason to lower the limit or to close the account. They stated they can close it if your credit score goes down, but there are many factors to credit and many things can make it go up or down. Including closing a card with a balance will make it go down enormously. We have been in the process of trying to get qualified to buy a home and now we can not due to them impacting our credit. 

This company doesn't consider the well being of its customers. 
I would definitely strongly recommend not using this company. When we decided to use financing we thought it would help build our credit by having a credit line and making on time and larger payments. This definitely was not the case working with this creditor.

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 2022-11-07
Company: Bread Financial Holdings, Inc.
State: NV
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:
Discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) require the XXXX and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX XXXX and XXXX credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX credit bureau are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor CB/AVENUE XXXX XXXX XXXX XXXX XX/XX/2015 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: LendingPoint Holdings LLC
State: IL
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:
On XX/XX/2023, I notified LendingPoint, LLC that they made an impermissible inquiry of my XXXX Consumer Credit Report. My XXXX Consumer Credit Report, dated XX/XX/2023, lists a soft credit inquiry by LendingPoint, LLC that I did NOT authorize. 

I am in receipt of LendingPoints response letter dated XX/XX/2023 ( postmarked XX/XX/2023 ). LendingPoints communication is a nonsensical mess. LendingPoint refused to address their impermissible inquiry of my XXXX Consumer Credit Report on XX/XX/2023. Additionally, LendingPoint refused to provide any documentation showing that I authorized their inquiry. Instead, LendingPoint described an alleged investigation that they allegedly conducted regarding information that they allegedly furnished to an unnamed credit reporting agency. 

As stated in my letter dated XX/XX/2023, LendingPoints action constitutes a violation of the Fair Credit Reporting Act 604, is illegal, is injurious to my credit rating, and is an invasion of my privacy per 15 U.S.C. 1681 602 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: FL
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:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This company has been charging improper charges and on top of that it reports the account as charge off, in the last letter, I asked for the investigation where they report that the last payment was on XX/XX/XXXX for {$65.00}, which is false, since the day of closing and delay dates back to XXXX and paid the same amount. I think the amount you reported and charged is incorrect. I repeatedly asked for an investigation but they did not do it, they did not take into account my condition as an elderly adult. 
I do not recognize the information you report, I need you to confirm that it is correct, complete and accurate. Please provide the historical payment and historical balance for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX company is reporting the personnel loan as a negative account when the account was paid and closed. Also, listing late payments when account was closed and no data to report.

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 2023-06-14
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXXXXXX 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 an 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 if 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 2023-09-02
Company: Experian Information Solutions Inc.
State: ND
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 XXXX Account XXXX : XXXX 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 29 It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-03-25
Company: Experian Information Solutions Inc.
State: NJ
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:
To whom it may concern : According to 15 U.S.C 1681 ( 4 ), There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 15 U.S.C 1681b, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 15 U.S.C 1681c, Except as authorized under subsection ( b ), 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. With that being said, there is no such thing as public information. The consumer has the right to privacy. If I don't want something on my credit report, it doesn't need to be on my credit report because I have the right to privacy. The following is a list of accounts that violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX ; Account # : XXXX, XXXX XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  ; Account # : N/A, XXXX XXXX XXXX ; Account # : 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 2016-10-01
Company: Resurgent Capital Services L.P.
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Someone opened a credit card with XXXX.This was not my doing account went into collections and now LVNV funding llc is trying to collect this debt. Please remove this debt from my credit report it is effecting me dramatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: WA
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:
I am a natural person, a living human with rights under 15 USC 1681 Equifax is governed by USC 1681 and they have violated my rights to privacy numerice times. 



I did not give equifax permission to furnish these accounts XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit 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:
I cancelled my account with XXXX who's service had been down a good part of the previous billing period on XX/XX/XXXX. XXXX charged my card on the XXXX. I disputed with the credit card company and they denied my claim. The evidence that XXXX sent is blurry and printed with light ink on a light background. It is unreadable. My browsing history shows I modified my account on the XXXX. It also shows a lot of information showing the service had been down for a long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been a credit card holder of Discover bank since XXXX, in XXXX I received personal loan offer letter ( the page is attached ) of XXXX USD for 48 months at a fixed monthly payment of XXXX USD. 
In my XXXX statement I realized that the loan amount has been added to my balance as " balance transfer '' thus increasing my interest rate and APR which is in contrast to personal loan agreement. ( page attached ) I have contacted Discover several times but no explanation or correction has been applied. 
I am frustrated because that loan should have been finished by XX/XX/XXXX however I am still paying monthly payment for the balance that must have been completed last year. I consider this a deliberate scam or mistake as major negligence if not fraud or consumer abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: SC
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-07
Company: EQUIFAX, INC.
State: LA
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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023, I received my Social Security deposit into my bank of America checking account. On that day, a transfer or transaction was executed on my account, and {$4900.00} was taken from my account. I have no record on my online account of any transaction, no XXXX account set up, and no recipient name is set up or recorded on my account. Bank of America told me that some " inside money transfer was made from my account '' I noticed the negative balance on my account in less than 24 hours. I called the bank on the night on XX/XX/XXXX and recorded over 2 hours of a phone conversation with the bank.

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 2023-02-20
Company: Rent Recovery Solutions
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Identity Theft/Fraud Rental Property - Unauthorized use of my name and information to obtain rental property. Debt collection past due of {$2100.00}. 

I checked my credit report associated with my XXXX XXXX credit card cell phone app, where I discovered activity stating I had a derogatory account with Rent Recovery Solutions in the amount of {$2100.00}. Upon calling the provided phone number, ( XXXX ) XXXX, they confirmed the following : Collection Agency : Rent Recovery Solutions Account Number : XXXX Reporting Agency : XXXX XXXX XXXX XXXX Unit Number : XXXX Fraud Rental Property Address : XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date Opened : XX/XX/2020 Past Due Collection Amount : {$2100.00} Admin fee : {$120.00} Unauthorized pet fee : {$1000.00} Compensation : {$50.00} Lawn care : {$150.00} Repairs : {$360.00} Carpet : {$140.00} House cleaning : {$300.00} *Stated they paid application fee and deposit *No ID on file *Found property online I did not action/authorize the use of my name/information for this rental property. This is fraud/identity theft and I wish to dispute this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: PA
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:
This is in my report and it is incorrect I want it removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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