BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I have been a CareCredit card holder for years. I got the card because it offered no interest installment payments ( 6 or 12-month durations ) for healthcare and dental services. I use the app to manage my account. Last year when I received a new card in the mail, I assumed that, like any other card, it was time for renewal, and in order to renew, I had to activate the account. When I activated the account late last year, I was already paying monthly for a XXXX XXXX I finished paying for that 12-month loan in XX/XX/2022. I used the card again on XXXX XXXX, 2022, to pay {$560.00} for some XXXX XXXX I called CareCredit on XXXX XXXX at XXXXXXXX XXXX to inquire as to whether that {$560.00} was on a 6-month or 12-month payment schedule. Usually, the default is 6 months. I was told by the representative that " unfortunately '' ( her words ), the card was used as a " Mastercard ''. I asked her how the card could be used as a Mastercard when it's not a Mastercard but a healthcare and dental credit card. She said that I activated it as a Mastercard when I received the new card in the mail. I told her that I was not aware that I was activating a Mastercard. I told her that it wasn't like they sent me two cards and said one is a Mastercard, and the other is the card you are used to. Instead, I received what looked like my regular CareCredit card. I told her I didn't need another credit card and would not have signed up for one if not tricked into activating a Mastercard instead of a no-interest healthcare and dental card. This tactic is similar to what XXXX XXXX was just accused of doing, except it is a lot more insidious. So CareCredit sent me a card that looked like my regular card in a renewal package that I had to activate, but instead, it was, by default, a high-interest Mastercard. If this was not meant to fool the customer into using a high-interest Mastercard that they thought was a no-interest healthcare and dental care, why is the default the high-interest Mastercard? I didn't tell the dental provider to make sure not to use the card as a Mastercard because I didn't know I had a Mastercard. The representative wouldn't let me get a word in edgewise. She talked over me. I told her that I was going to report them to the FTC, and still, she continued to speak over me. I asked her if I could speak, and she continued to talk over me, so I disconnected the call. This is so fraudulent. Even the app that I use never changed to the new Mastercard image. I was clueless about this bait and switch.

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 2022-09-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, 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:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date- XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date- XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : Equifax Mortgage Service Date- XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXXXXXX XXXX Date- XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is apart of the XXXX XXXX Data Breach. I am a party of the settlement. This information was obtained in the course of the Data Breach by Portfolio Recovery. Portfolio Recovery is reporting and falsely claiming this credit transaction is a debt due. Portfolio Recovery Solutions has provided documentation it may have obtained in the XXXX XXXX Data Breach. As this was a Secured Credit Transaction the amount claimed as owed is inaccurate and false. A deposit was required to obtain a extension of credit which was expressed that it covered any failed payments. In light of XXXX XXXX 's error to inform me, I made a uniformed decision on when I entered this consumer credit transaction. There is no evidence of indebtedness the only evidence of indebtedness was by way of the agreement but because of the uniformed decision that agreement is null and void. It is null and void because I made a uniformed decision, I did not understand its meaning, and it was not clear and conspicuous. XXXX XXXX and Portfolio Recovery Solutions are in violation of Title 15 Chapter 41, 15 USC 1602.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Upgrade, Inc.
State: GA
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:
My line of credit with Upgrade Inc., comes with a Visa Credit Card. I used my Upgrade Visa credit card to purchase financial services from XXXX XXXX based in Florida. I paid XXXX XXXX a total of nearly $ XXXX to secure a private XXXX loan of $ XXXX. It was agreed that the loan would be issued by the end of XX/XX/2022, certainly not later than the first week of XX/XX/2022. However, the loan was never issued as agreed therefore, I requested a chargeback against XXXX XXXX because they did not perform the service I paid for! 

All of my chargebacks against the fraudulent merchant XXXX XXXX were accepted by my credit issuers, i.e. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX. Many of the aforementioned requested supporting documentation for my chargeback which I promptly submitted. However, despite my offering to provide supporting documentation XXXX never requested any supporting documentation and although they initially provided me a provisional credit they are now saying that they have declined my chargeback and I am now required to pay for services I did not receive. 

XXXX made the following statement to me via email ; " Unfortunately, we had to decline the dispute for the following reason ( XXXX ) : We can not override the merchant 's policy and have no further recourse to pursue this matter with the merchant. 


Here is what you need to know : If a provisional credit was issued, it will be reversed and you will be responsible for payment of the transaction ( s ) and related accrued interest according to your standard payment schedule. '' Why is it that only XXXX, which did not request to see my supporting documentation substantiating the fraud on the part of the merchant, claims to be unable to override the merchant 's policy? 

This is a gross injustice!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The  XXXX  website states that my debt was placed in collection wit h PHOENIX FINANCIAL SERVICES  on  XXXX / XXXX / 2017  for the amount of {$870.00}. The original creditor of this collection is stated as, "  XXXX   XXXX    XXXX   XXXX   XXXX   ''. I have submitted a direct dispute on  XXXX / XXXX / 2017  through  XXXX . When I submitted my disputer request, the reasons were " THIS ACCOUNT IS CLOSED '' and in the additional comments I put, " NO CONTRACT ''. On  XXXX / XXXX / 2017 ,  XXXX  said that my dispute was denied. I do not understand why I am being charged for a debt on an account that was closed and then handed off to a debt collector. I have had this issue once before already and it was resolved quick. However, this collection is giving me a lot of problems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was charged without my permission the following dates and charges XX/XX/XXXX {$4.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$19.00}.

I called Experian and they lied to me. I did not order this product.

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 2022-04-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My Information has been merged with someone else. There are addresses on my file that do not belong to me, these addresses are not authorized to be on my credit file

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 2019-05-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I contacted WELLS FARGO on XXXX XXXX at XXXX XXXX to inquire if we have the option of a non impound or non escrow account and what is their process. The representative said that they will mail out a form for us to review. I called the next morning on XX/XX/2019 at XXXX XXXX to inquire about the name of their form which the rep name XXXX said it was an Escrow Deletion Form. We expected to receive this form to review it and make our decision after reviewing the form. We had an escrow shortage due XX/XX/2019 in the amount of {$160.00}, we paid it on XX/XX/2019. After paying the shortage our escrow balance had a credit of XXXX ( XXXX Cents ). On XX/XX/2019 we paid our XX/XX/XXXX Mortgage payment which {$390.00} goes to escrow but the escrow balance is showing a negative $ XXXX. It should be a credit of {$390.00}. On XX/XX/2019 we paid our XX/XX/XXXX Mortgage payment and {$390.00} goes to escrow but our escrow balance is showing {$25.00}. Instead of receiving an Escrow Deletion Form in the mail we got an Escrow Closing Notice that was dated for XX/XX/2019 indicating that our escrow account will close on XX/XX/2019 stating because we asked them to close it and if we want to keep the escrow account we must call the number in the account information box by XX/XX/2019. I called on XX/XX/2019 to inform them that I did not ask them to close it. I followed up with a letter and faxed it to them on XX/XX/2019. Then, we received a Notification of Assignment, Sale or Transfer from XXXX XXXX XXXX XXXX XXXX XXXX also dated for XX/XX/2019 the same date as the Escrow Closing Notice from WELLS FARGO effective XX/XX/2019. The transfer of ownership has not been publicly recorded. WELLS FARGO remain as the Servicer for XXXX XXXX XXXX XXXX XXXX XXXX. I contacted XXXX XXXX and left a message for someone to return my call and No one ever did. Now, we just received a Transfer of Servicing of Your Mortgage Loan dated for XX/XX/2019, Effective XX/XX/2019, the servicing of our loan is being transferred to XXXX XXXX XXXX , XXXX. WELLS FARGO will no longer be accepting payments. This seems like a tactic of WELLS FARGO to make it difficult for us when we decide to have a non impound account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXXXXXX Balance : {$8200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I, XXXX XXXX, sent a letter to the XXXX bureaus asking them to look into an item on my report that is false and misleading. It has been over 45 days since i sent my letter to Experian, XXXX and XXXX. I have not heard back yet. I am aware that the bureaus have 30 day to investigate and send me an updated report with their response or they have to delete the items from my 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 explanation
Consumer complaint received 2017-06-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
As of  XXXX    XXXX    XXXX   XXXX  reported a 30 day delinquency on my credit report, which decreased my credit score by  XXXX  points. The company alleged I was delinquent on the account and made several attempts to contact me however to date I have not received a letter or phone call. In learning of the delinquency I immediately paid the card in full, as the balance was less than {$100.00}. I was advised I would be contacted within 48 hours by a manager to further discuss the situation, that was on  XXXX   XXXX  and no one has contacted me.     Up until this point I have never been late with any credit obligations, car, mortgage, student loans, credit cards, my credit has been perfect.     But do to this  one  incident I feel  XXXX   XXXX  has ruined the good credit I have maintained for over 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I contacted Transunion, XXXX, and XXXX about unauthorized inquiries o my credit report due to fraud. I sent letters. I received no response from XXXX and XXXX. Transunion said they would remove the following accounts but didn't. I have been dealing with fraud ever since my car was stolen in XXXX. Inquiries which are hurting my reports. Since my original complaint in XX/XX/XXXX, I have new inquiries which are not authorized by me. Some inquiries are from companies I have had for years. Why would I authorize a inquiry on open credit lines I've had for years, I already have accounts them!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-05
Company: Coinbase, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I purchased {$660.00} of Buy coin on XX/XX/XXXX. On XX/XX/XXXX they canceled my order. As of XX/XX/XXXX I have not received any bit coins or my money back. 

I can not get anyone to respond via phone, email or any of the 3 social media accounts owned by bitcoin. Because of this I am treating this as a fraudulent case, I feel I have been stolen from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX  XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report.

Sincerely, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: State Collection Service, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
STATE COLLS is claiming that I owe them {$50.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX/ {$0.00} / XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation