BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-25
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The Synchrony Financial company is assessing a late fee month after month after they reversed an XX/XX/2022 {$30.00} late fee due to their system/technical error that triggered a series of misapplied, fraudulent, and predatory assignment of fees to the consumer account. This company also is creating stress in their attempts to coerce payment of inaccurate and erroneous late fees, through intimidation tactics and seeking to cause harm to my character by sharing my private information with consumer reporting agencies Synchrony Financial was contacted on XX/XX/2022. I informed XXXX, the representative of the errors and she stated she would remove the XX/XX/2022 {$30.00} late fee. She was also informed that an erroneous late fee was listed for XX/XX/2022 in the amount of {$41.00} which needed to be removed. XXXX verified that the agreed upon minimum monthly amount was received on XX/XX/2022. She stated the update would not be done until XX/XX/2022 statement date, although the consumer requested an update in XXXX - XXXX hours. Unfortunately, since this notification of error, this company has repeatedly charged and continues to intimidate and use fear tactics to coerce several erroneous late fee payments of {$41.00} for XX/XX/2022, {$41.00} for XX/XX/2022, and {$41.00} for XX/XX/2022, when all payments were provided timely. This company is predatory in their tactics and practices, and has been harassing via phone calls, emails, and text messaging. They seek to intimidate the consumer with communication insinuating reporting to the XXXX XXXX Agencies for the purpose of causing damage to a consumer 's character and credit worthiness.

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 2022-11-25
Company: Experian Information Solutions Inc.
State: DE
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX 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 2023-04-11
Company: Reliant Capital Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX I received letters from the IRS and the Ohio Department of Taxation for Lottery Drawing. I contacted them both and told the money was stolen out of my bank account. I went on to provide documentation to both agencies. Information about the taxes came by way of the IRS to the Ohio Department of Taxation. After the IRS completed it's investigation in XXXX and updated said file. I contacted the Ohio Department of Taxation and them was the filed closed. I was told no. I asked for verification of debt that the IRS believed I owed. The Ohio Department of Taxation are just now recognizing in XXXX that they got paid in XXXX15 U.S. Code 1692g any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.15 U.S. Code 1692k any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: TD BANK US HOLDING COMPANY
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 asked TD Bank disputes department to ask for a refund from XXXX which I subscribed on a trial bases on XX/XX/XXXX for {$3000.00} US, a week later a came to the conclusion that the service di not meet my needs, and asked XXXX to get s full refund, they agreed. two weeks later I also asked TD bank disputes department to help me collect the {$3000.00} us, finally beginning of XX/XX/XXXX, they refunded {$1600.00} only the remainder of {$1300.00} us, more than a year later I'm still waiting. 

TD Bank closed the dispute when XXXX still had not refund the outstanding {$1300.00} us. 

See email from XXXX " The dispute was waivedin your favor, thereforewe no longer have your funds. We highly suggest reaching out to your financialinstitution since we no longer have your funds ''. I called TD bank many times, but they never gave me an explanation as to WHY THEY CLOSE THE CASE WHEN THERE WAS ANOTHER {$1300.00} NOT REFUNDED. 
TD Card Services, Dispute Department Case Number- XXXX If you need more info please advise. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: FL
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-02
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$510.00} 15 U.S.C, 1681section 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 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 2023-06-02
Company: Experian Information Solutions Inc.
State: VA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-02
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

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 2023-06-02
Company: Experian Information Solutions Inc.
State: KS
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-02
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 explanation
Consumer complaint received 2022-12-16
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My soon to ex-wife, XXXX XXXX XXXX and I purchased a vehicle through Exeter Finance in XXXX. Exeter assisted us in the beginning with 8 extensions when I started becoming ill and ran into hardships, however, over a period of time, I became more XXXX from XXXX XXXX XXXX XXXX XXXX XXXX. I have tried to inform Exeter Finance of all of this over 3-4 months and I received no support, no respect, or no assistance. I am currently XXXX  due to my XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX. I have been suffering from XXXX  & XXXXXXXX XXXX with XXXX  of my XXXX XXXX. I only receive my XXXX compensation and I am in a financial hardship, I have even tried voluntarily surrending the vehicle back to them, however, Exeter claims that XXXX XXXX who wasnt making any payments to the vehicle told them to keep it. I still try to keep them up to date on my status with if I am able to pay something or not and inquire if they have obtained the vehicle from XXXX XXXX in Virginia, in XXXX XXXX XXXX XXXX XXXX, and they still have not picked the vehicle up to this day. They always inquire where the vehicle is like I havent informed them where they can pick the vehicle up at. Exeter Finance even informed me not be near the vehicle because of their policy when they repossess the vehicle, however, they still have not picked the vehicle up. Exeter Finance will not update their records to reflect, I am a XXXX XXXX  XXXX  who does not work. They intentionally have listed as being employed making the same amount of money I use too to justify that I have the means to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
Im applying for a home loan and my lender ask me to call Equifax and ask them to remove XXXXXXXX XXXX XXXX  from dispute only I called Equifax and the man I spoke to said ok XXXX remove it from dispute.I said ok I never mentioned no other companys ever just XXXX XXXX XXXX. I get a email today XXXX XXXX 2023 stating my credit score went down XXXX XXXX because remarks were removed from XXXX XXXX XXXX 6 times I never told them or mentioned any other accounts I reached out to these people now they act as if they cant do nothing about it o ask them to put the remarks back nothing so now I reaching out to you for them to fix these problems of my credit decreasing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: OK
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:
I want to dispute the bankruptcy reporting on my Experian, XXXX and XXXX credit reports in connection of a violation of the fair credit reporting act. Account : XXXX XXXX XXXX XXXX XXXX Please remove account immediately. account is reporting in error. 

15 U.S.C 1681 section 602A states that I have a right to privacy..

15 U.S.C also states that can not be furnished without my written consent Remove this account or provide my written consent to publish

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 2023-01-13
Company: EQUIFAX, INC.
State: TX
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I'm on XXXX XXXX. Edd pays me thru a prepaid card thru Bank of America. Due to my XXXX and not having my normal salary I saved the deposits made on the card so that I could pay my rent XX/XX/XXXX and avoid eviction. On Saturday XX/XX/XXXX when I checked my balance I noticed all of my money was gone. I immediately froze the card and contacted Bank of America to have a fraud dispute opened up in the amount of {$2800.00}. After 4 days Bank of America denied my claim. This was wrong so I requested to speak with a manager who re submitted my claim for re consideration and I provided a police report to show I've had issues with identity theft due to my purse being stolen and they requested a picture of me which I also provided. To day I've heard nothing back and after XXXX XXXX my minor child and I will be evicted. This is not right Here is a copy of my claim : Claim Number : XXXX WEVE RECEIVED YOUR CLAIM This notice is provided to you as the named account holder for a prepaid debit card issued by Bank of America , N.A . ( " we '' or " us '' ). 

We've received your transaction dispute claim. 

We'll notify you by mail about your claim status once we've completed our review of the disputed transaction or transaction ( s ). 

Please review the claim details below. If the information is incorrect or doesn't match your request, call us immediately at XXXX. Representatives are available 24 hours a day, 7 days a week. 

Claim Summary Account Ending In : XXXX Disputed transaction ( s ) : 4 Total claim amount : {$2800.00} Transaction Details XX/XX/XXXX BANK OF AMERICA {$1000.00} XX/XX/XXXX BANK OF AMERICA {$680.00} XX/XX/XXXX BANK OF AMERICA {$160.00} XX/XX/XXXX BANK OF AMERICA {$960.00}

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