BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX is putting unverifable information on the credit report. This information is incorrect and untrue and unlawful. I am requesting an immediate removal of this account. I am attaching my recent credit reports

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 2022-10-20
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter to Equifax on XX/XX/22 asking for them to investigate items on my account. I waited 60 days before sending a second letter on XX/XX/22 stating that federal law requires them to respond within 30 days and it has been well over that time frame. Another 30 days has now pasted and I still have not heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: I.Q. DATA INTERNATIONAL, INC.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After noticing a fraudulent account on my consumer credit report, I notified the 3 major credit bureaus, affectively disputing the alleged debt. I.Q. DATA INTERNATIONAL, INC. was contacted by the 3 major credit bureaus, but has subsequently disregarded 15 USC1681 ( b ), constituting a willful violation and possibly a tort claim. 

I demanded proof of documentation with respect to either an application for credit, services or employment executed with I.Q. DATA INTERNATIONAL , INC., supporting their ability to obtain my consumer credit report. They have failed to do so and continue to violate 15 USC1681 ( b ). Civil liability for I.Q. DATA INTERNATIONAL INC. 's willful violations exist within 15 USC1681 ( n ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Synovus Bank
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the inaccurate information about my accounts has been diligently neglected by the credit bureaus. Despite sending them the last letter for the said request, I have not received any response up to this date. Besides, the fallacious information about my accounts is still on my reports. Therefore, the credit bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. The Synovus Bank account is still reporting on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
MONTEREY FINANCIAL XXXX WRONGFUL COLLECTIONS PRACTICES FOR THE PAID IN FULL ACCOUNT WITH FAILURE TO VALIDATE THE ACCOUNT WITH DETAILS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: TD BANK US HOLDING COMPANY
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I received an email asking me to rate my online pick up experience at Target.com in XXXX XXXX, FL. I do not live in FL nor have I ever. I immediately checked my account balance online. It was at a XXXX  balance. I called customer service, asked if there was a computer glitch, explained the email. I confirmed that my account was at a XXXX  balance. I did not feel comfortable with the call. At that time I asked that the account be closed and a new card reissued to me and to record my call. Six days later I recieved a courtesy email from Target.com that my account balance was over {$600.00}. I immediately called and the charges totalled {$1000.00}. All charges made on the same day, all charges were in store pick up, all in XXXX XXXX, Florida. I initiated a fraud report and asked that the my account be permanetly closed. Getting the account permanetly closed tood several calls. I recieved a form to complete where I was to list all charges I believed were fraud. I completed form and mailed it back. The form included all the necessary details : 3 separate charges all made on XX/XX/XXXX ( {$83.00}, {$470.00}, and {$470.00} again, all charges were in store online orders picked up in XXXX XXXX, FL ) I just received yesterday a letter from Target Credit Card Fraud reading that my claim has been denied for the following reasons : 1 ) Our records indicate that the order ( s ) being disputed were placed using a Target.com account that verfies to you 2 ) Our records also indicate that there are previous orders placed using the same Target.com accoun that have not been disputed. I called on XX/XX/XXXX and was hung up on twice. I called again on XX/XX/XXXX and was told I my story was verified. My account was noted of all the above but that I need to file an appeal letter and hopefully my account will be cleared. I just recieved an online statement for {$1000.00} with a due date of XX/XX/XXXX. I have exhausted many avenues to seek help. No one is helping.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-13
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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 status incorrect

Complaint:
Paid off my Car loan in XX/XX/XXXX. There was never a payment that was late on XX/XX/XXXX or XX/XX/XXXX. Infiniti is incorrectly reporting to XXXX and I was never 30 days late on any of those payments around that time. I spoke with someone at Infiniti and made sure all my payments were good and they confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX 2015, the XXXX & their associates @ XXXX in XXXX, MO, failed to follow their protocol for obtaining pre-authorization ( s ) for my XXXX. 
They were notified by my Insurer, prior to my XXXX, that their requested pre-approval was DENIED, but they told me they had obtained the required approval ( s ) and they proceeded with my XXXX without notifying me of the DENIAL. 
They have since persisted in billing me for the XXXX, but have declined to persue their claim in court. Instead, they are attempting to extort me into paying money I do not owe - for their mistakes - by damaging my credit rating by filing Negative Reports with the credit bureaus thru 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 2016-01-02
Company: CITIBANK, N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
XXXX/XXXX/2015 XXXX unauthorized or fraudulent transaction of {$400.00} and {$300.00} dollars

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-29
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2020, I logged in to my Synchrony Bank Amazon credit card account. I saw a banner on the page notifying me that my account had been closed. 
In the week or so prior to this, I had attempted to make a payment on my card, and the payment said 'returned '. I could not understand why, seeing as I had sufficient funds in my account. I therefore tried the payment again, only to get the same message several days later 'returned '. 

I spoke to an agent, and it was discovered I had entered my bank information incorrectly. I was assured that as it was obvious the payments were returned due to my clerical error, this wouldn't be held against me, and my account would be held in good standing. 

I proceeded to correct my error and made a full payment. 

Several days later, I logged back in, and I saw the banner saying my account had been closed. I contacted Synchrony and requested that my balance of points, totaling in excess of {$500.00} cash back I had earned, be sent to me by way of check or other means, as my account had apparently been closed ; contrary to what was promised me by their agents. 

I spoke with Synchrony online and was informed there was nothing to be done, they had closed my account immediately upon receiving my payment despite telling me they would do otherwise, and I would not be receiving any of the XXXX XXXX dollars rightfully mine. 

I now have an account that they closed, despite promising me otherwise, and I am now missing many hundreds of dollars I earned. 

I attempted to speak with them further, was put on interminably long holds, and was unable to make any progress.

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 2020-04-07
Company: U.S. BANCORP
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Was contacted by XXXX, XXXX, and XXXX representative XXXX XXXX about a US Bank debt that I don't have record of existing. My first contact was on XX/XX/XXXX. I have called several times, and my complaints are as follows : 1 ) Contacted me ( letter and phone call ) outside of the statute of limitations. Last debt activity supposedly is XX/XX/XXXX. 
2 ) During the phone call they did not read the mini Miranda informing me that they're debt collectors. Mini Miranda also isn't on letter.

3 ) Threatened legal action on an account that I don't exists, plus is past statute 4 ) They would not allow me to validate or dispute the debt

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 2016-01-27
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
In XXXX 2015 I began disputing an inquiry from a company called XXXX XXXX on my experian credit report. I sent 2 letters to XXXX advising them that there was no need to pull my credit as such this inquiry they report to Experian was unauthorized. I also sent 2 letters to Experian regarding this and they have done absolutely nothing about this. I demand they remove this unauthorized inquiry off my credit report immediately. I am enclosing copies of letters I sent to both experian and XXXX with certified receipts as proof they received me correspondence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
SLS attempted and has extorted monies owed me from the selling of my property at XXXX XXXX XXXX XXXX, Tx. XXXX. I sold my property in XX/XX/XXXX. SLS was properly communicated with and notified by the buyers title company that the XXXX taxes were being transferred to, and paid by the buyer. Fully knowing that taxes are n't billed until XX/XX/XXXX, and due by XX/XX/XXXX ... SLS had just bought my loan from XXXX in the mist of my selling transaction, so in the hast to extort some monies out of the deal the XXXX added a escrow/impound advance balance to the closing cost statement in the amount of {$2600.00} fully knowing the above mentioned to them by the title company. In speaking to the Texas Tax Authorities NO XXXX taxes were paid by SLS on the property, nor was there ANY insurance payment made to any insurance company. The last taxes were paid by me in XX/XX/XXXX ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I rented a car from XXXX in XXXX. Unknown to me, there was a balance due. I rented another car from XXXX in XXXX of XXXX, and was advised in order to rent another car the balance from XXXX needed to be satisfied. I paid the balance in full in the amount of {$310.00}. 

As of today, XXXX lost my payment, and submitted my file to a collection agency, who in turn has reported to all XXXX credit bureaus that i owe {$310.00}. I have spoken to several dozen people over the past few months people to get this resolved, to no avail. 

Most recent, i have faxed and /or mailed over proof of the payment to all XXXX credit bureaus. I have spoken to XXXX XXXX, the Accounting Supervisor at XXXX XXXX XXXX ) ; and have spoken to XXXX, a Team Lead from Caine & Weiner XXXX XXXX ). All parties have apologizes and assured me this will be updated once they speak with the other parties involved. 

I have been trying to get this resolved for 5 months. I would like this information completely removed from all XXXX credit bureaus, as this was paid in full directly to the creditor, prior to going to the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: AMERICAN HONDA FINANCE CORP
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I believed I was charged an interest rate that was too high for my credit score, which was XXXX at the time. I was charged a rate of 4.39 %, which I find to be comparatively high for people with my credit score. The company is Honda Financial Services

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
So I received a letter of declination for a Target XXXXCard. However, I did not make an application for the card. This letter was dated XX/XX/2022. About the same time last year, I received a letter like this too, and I disregarded it because the application was still denied. Yet, upon recent events, I have noticed that I have been receiving many applications from other credit card companies saying I have applied for their card and are requesting information, etc., but again I have never applied. Thus, I believe I am going through identity theft. The declination letter I received from Target is asking me for a copy of my driver 's license, front and back of SS, and a utility bill from the last 60 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28
Company: Experian Information Solutions Inc.
State: PA
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:
Fraudulent account identity theft XXXX XXXX XXXX Amount XXXX Opened XX/XX/18 I am disputing fraudulent account identity theft XXXX XXXX account number XXXX amount XXXX date openXX/XX/XXXX XXXX XXXX XXXX recently purchased XXXX XXXX/ XXXX credit card I previously had fraudulent account from XXXX XXXX/XXXX that was deleted from my XXXX  XXXX and Experian credit reports about a month ago and now that XXXX XXXX XXXX had purchased the XXXX XXXX/XXXX card the same fraudulent account reappeared on my 3 bureau credit 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 non-monetary relief
Consumer complaint received 2019-10-28
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Every single time I send money to XXXX or receiving money through western union or XXXX XXXX there is a problem. I can not pick not I cant send money using these businesses

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: NC
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 have submitted letters and made numerus phone calls to XXXX in attempt to remove inaccurate inquires off my credit report. In accordance with the Fair Credit Reporting Act the company have violated my rights. 15 U.S.C. 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
After reviewing a recent copy of my credit I came to the realization I have become a victim of identity theft. I recently have submitted ( Identity theft report number # XXXX XXXX which included accounts XXXX. XXXX # XXXX, XXXX. XXXX XXXX # XXXX, XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX. I have reached out to all major consumer reporting agencies including Transunion, XXXX   and XXXX. It has been over 30 days and as per the Fair Credit Reporting Act these fraudulent accounts must be deleted without 100 % accurate verification. Transunion has violated my consumer rights and the FCRA per section 605b, 609, 611. The fraudulent accounts still remain reporting on my credit file and is a clear violation. I have completed and submitted 2 identity theft reports and Transunion has failed to provide any documentation obligating my to the fraudulent accounts. I have no recollection nor recall opening or establishing any of these accounts listed above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation