BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reached out to XXXX XXXX, XXXX and Equifax by mail for a dispute on XX/XX/XXXX regarding inaccurate information on my credit report that was report by XXXX XXXX XXXX I advise them that I was not responsible or liable for any charges presented on my I was told that the apartment was moving ready up on my arrival I walked into a partially clean property theres trash and breeze in every room the walls werent even painted there were cobwebs in the windows AC unit did not work at all there was a huge issue for me and my children myself the humidity and heat was triggering XXXX symptoms for my children I sent communication several times to the company and they did not respond they left me no choice but to find another place add this went on for three weeks off I reached out to the landlord numerous times so I decided it was time for us to move we was only there for three weeks but did not have any air and it was over 103 in the house I even advised her that I was not going to get the electricity switched over until they had it fixed the walls were never done painting and this is how it looked the day that I moved in I have sent XXXX XXXX pictures I sent them the day that I signed my new lease and the invoice that was sent to me the information thats been reported is an inaccurate she said I moved out XX/XX/XXXX my new lease shows XX/XX/XXXX A receipt was sent to me for {$2800.00} the information from the debt collector had a different amount on there which was {$2900.00} She charged me the damages to a wall that wasnt even painted and I sent all of this proof over to XXXX XXXX and XXXX XXXX sent me a letter and XX/XX/XXXX stating that the information was valid so I called XXXX XXXX XX/XX/XXXX and ask them how is the information valid when I sent over proof why is it not delete it off my credit report and the guy from XXXX XXXX told me that it dont matter what documents that I sent in if the debt collection agency states the debt is valid then its gon na stay on account until they remove it and I kept asking him how because all information have to be reported accurate and I was told sorry maam theres nothing that we can do unless the debt collector remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
On XX/XX/2016, i was told by Sam's/Synchrony Bank, my account was compromised. I paid my bill in full as usual, I never leave a balance. I received a new card, called and was told no there was another compromise. I waited and no card came I called several time XX/XX/XXXX about the account. I was never told I had an outstanding balance, was on the phone several times with customer service for over 10-20 minutes each time. Was told each time that the card was still in route. I called back XX/XX/XXXX several times and was told a new card was on the way. 
XX/XX/XXXX I decided to try to activate the card that was sent XX/XX/XXXX, it activated. I have not used the card since activated. I have another Sam 's card that I used and paid in full. 
I was notified XX/XX/XXXX by XXXX XXXX XXXX had a late payment. I called to find out how this could be. I was told I left a balance XX/XX/XXXX. I asked why I was n't told when I spoke to customer service all the times XX/XX/XXXX. They said they did n't do that. I asked why I was assessed an interest charge after I paid in full for XX/XX/XXXX and received no answer. I believe the interest charge should be remove and I would have had no late payment. 
I had perfect credit until this and have asked the late reporting be removed from my credit history.

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 2022-03-15
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reached out to XXXX XXXX, Experian and XXXX by mail for a dispute on XX/XX/XXXX regarding inaccurate information on my credit report that was report by XXXX XXXX XXXX I advise them that I was not responsible or liable for any charges presented on my I was told that the apartment was moving ready up on my arrival I walked into a partially clean property theres trash and breeze in every room the walls werent even painted there were cobwebs in the windows AC unit did not work at all there was a huge issue for me and my children myself the humidity and heat was triggering XXXX symptoms for my children I sent communication several times to the company and they did not respond they left me no choice but to find another place add this went on for three weeks off I reached out to the landlord numerous times so I decided it was time for us to move we was only there for three weeks but did not have any air and it was over 103 in the house I even advised her that I was not going to get the electricity switched over until they had it fixed the walls were never done painting and this is how it looked the day that I moved in I have sent XXXX XXXX pictures I sent them the day that I signed my new lease and the invoice that was sent to me the information thats been reported is an inaccurate she said I moved out XX/XX/XXXX my new lease shows XX/XX/XXXX A receipt was sent to me for {$2800.00} the information from the debt collector had a different amount on there which was {$2900.00} She charged me the damages to a wall that wasnt even painted and I sent all of this proof over to XXXX XXXX and XXXX XXXX sent me a letter and XX/XX/XXXX stating that the information was valid so I called XXXX XXXX XX/XX/XXXX and ask them how is the information valid when I sent over proof why is it not delete it off my credit report and the guy from XXXX XXXX told me that it dont matter what documents that I sent in if the debt collection agency states the debt is valid then its gon na stay on account until they remove it and I kept asking him how because all information have to be reported accurate and I was told sorry maam theres nothing that we can do unless the debt collector remove it

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 2017-01-10
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I checked my credit report and found an inquiry from SYNCBWALMART PLCC. ( XXXX, XXXX, FL XXXX, XXXX ) I have not applied for any credit cards. I tried to call the number listed on my credit report by XXXX, but it wants me to enter my SSN or account number ( which I do n't have because the application was fraudulent ).

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 2022-03-15
Company: EQUIFAX, INC.
State: NC
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:
XXXX  has reported my XXXX payment as late after correcting it again last month. In reality, the XXXX, XXXX, XXXX payments were not late. 

XXXX has deleted the account due to the inaccuracies but Equifax XXXX XXXX continue to report this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
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:
I have consistently been denied access to credit by more then 10 banks because according to my credit report inaccurate items are on there that are tarnishing my reputation. Which is a violation of 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. I have tried reaching out to have this problem fixed. Nevertheless these inaccurate items are still being reported which is another violation because according to 15 U.S. Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors ; 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency. Those along are enough listed violations to equate to over {$5000.00} in fines. I am a single parent that is trying to support a family of XXXX. I have paid my dues in society all I am requiring is to be treated fair. Attached is evidence provided in the FCRA book, FDCPA book, and Proof of Equifax Data Breach Victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed a few accounts on my report I do not recognize

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 2017-01-11
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have had my account with my LOWES credit card for many years without issue. I set up recurring payments and paid on time. 

Last summer I got a new bank account and switched my recurring payments to the new account. For some reason lowes ONLINE account reverted to the old account and XXXX payment bounced back from my bank as INSUFFICIENT. I noticed it did not come out of my NEW account and fixed it within about one week. I called Lowes and they refunded the late fee due to it being some sort of error and the REPRESENTATIVE said they would DELETE THE OTHER ACCOUNT. Then apparently did not. 

On XXXX XXXX I noticed that the {$200.00} payment did not come out of the bank account so I checked it online. It was returned so I immediately paid it. I checked and it was attached to the CLOSED bank account that they were suppose to delete so I PERSONALLY deleted the account. 

Lowes Synchrony Bank PERMANENTLY CLOSED my credit account over this. This was due to system and/or representative error. I never received notice that they would close it. I called and they will not re-open stating that it is their 'policy '. 

I want my card re-opened and my credit report to reflect no wrongdoing on my end.

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 2022-03-15
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX  has reported my XXXX payment as late after correcting it again last month. In reality, the XXXX, XXXX, XXXX payments were not late. 

XXXX has deleted the account due to the inaccuracies but XXXX XXXX Experian continue to report this incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX Overdraft fees on XXXX/XXXX/2022. Request to refund them was declined by a B of A rep on the phone. Account was over drafted for only 1 day due to credit card payments.

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 2022-06-15
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX XXXX XXXXacct# XXXX  XXXX XXXX -acct# XXXX XXXX XXXX XXXX-acct# XXXX  Us dept of EDU/XXXX/XXXX-ACCT# XXXX  
* IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT #XXXX, XXXX, XXXX, & XXXX  HAS 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 CONSUMER REPORTING AGENCY CANNOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: BARCLAYS BANK DELAWARE
State: NH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
the debt was paid to XXXX agency, but another agency is trying to collect it now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
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 fraud alerts or security freezes

Complaint:
I was trying to unfreeze my credit and Experian stated that it was unable to do so over the phone or online, that I had to do it via written request. This will take time and money on my part collecting the information requested and submitting it via mail, on what I should be able to do over the phone or online. I am unable to speak with a live human to inquire why this is needed and get the issue resolved. I was able to get issues like this resolved before the CFPB was created. I am unsure what purpose you are providing the tax payers if service has deteriorated since the CFPB 's inception. I spoke to a very nice person on the phone at CFPB and she stated that she gets calls all day long about the credit reporting agencies from consumers who have similar issues who are also unable to speak with a person. This issue seems like this is low hanging fruit that the government should be able to fix in short order.

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 2015-12-14
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
I applied online for a Barclay Bank Visa card as part of a program through XXXX to finance a new computer. They have never sent me so much as an invoice, let alone the actual card. I 've not been able to make any payments online because you need the card number to set up online payments. The only thing I know is the last XXXX digits of the card, because that was in the first email they sent me. When the account is in arrears enough, I get an offer of a payment plan, and can sign in using the last XXXX digits of the account to make a payment. Once you make a payment, you can no longer sign in that way and have to wait to be in arrears again. I have been able to make XXXX payments, and my credit score is plummeting because of this. The only way to contact them is over the phone ( I have XXXX and ca n't use the phone ) or at a mailing address. I wrote them a letter XX/XX/XXXX asking for their help and received no response of any kind.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-05
Company: Mr. Cooper Group 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: Information is missing that should be on the report

Complaint:
In XX/XX/XXXX, I filed a dispute with XXXX regarding my account with my mortgage company, Nationstar/Mr. Cooper, because the account was not showing my recent payments, when in fact I had made them. At that time, the other credit reporting agencies had accurate information in their credit files for this account. Instead of the update being made to the account, shortly thereafter, my mortgage was completely removed from my XXXX  credit file. I received no explanation as to why. 

Several months later when I noticed the difference in my credit scores among the three credit reporting agencies, I realized that the major difference was my missing mortgage account in my XXXX  file. When I reached out to XXXX  to find out how it could be added back, a representative informed me that it was up to the mortgage company to submit my credit file to them to get the account added back to my file. Following that call, I have emailed and called Nationstar/Mr. Cooper to make this request. This requesting and waiting for an answer went on for well over a year. Last week, I finally reached someone in the escalations department of my mortgage company who informed me that they have been routinely submitting my account information to all three credit reporting agencies on a monthly basis, and that I would need to contact XXXX to find out why the account is not showing up in my file. Tonight ( XX/XX/XXXX ), I just hung up the phone with XXXX, and the conversation ended with the representative telling me that I need to talk to my mortgage company to find out why my account is not showing up. 

I am at my wit 's end with this. No one is helping me and it is unfair to keep sending me back and forth when I have no control over the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I had a credit limit of {$3000.00} on a Barclay Visa card. I co-signed on an auto rental with a temp subcontractor for a one-week term. After 2 weeks I received a call from the auto rental reminding me the auto was due in. The person that had the auto assured me that after the first week, he would return. I could not make contact and when I received call from rental agency at end of week three, I suggested that it should be reported as stolen as I could make no contact. That was in XXXX 2015. With no charges from the auto rental until XXXX XXXX, there were XXXX charges added to my card which put me over the credit limit, imposed by the issuer, a XXXX dollars. I called Barclay 's help line and was told the credit limit was not enforceable. Then I requested that a hold be put on my account, thinking that would prevent any more charges. Then on XXXX XXXX, there were XXXX other charges from the auto rental for some {$3200.00} which then exceeded the credit limit by some $ 4,000+. I was more than shocked and called their help line and was told that a hold would only stop the card working if it was swiped, but would not stop other charges coming thru their system. I then cancelled the card. I sent a fax and XXXX letter to Barclaycard to file a dispute on XXXX XXXX. On XXXX XXXX I was sent a letter in response that indicated they could not further pursue because they tried to call me twice on XXXX XXXX. There is no record on my cell phone of any call attempts from them. The letter was generic with NO NAME or contact number or email other than their Service Center # that could do nothing to assist me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
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:
I have been struggling with XXXX XXXX and than XXXX since XXXX, its been on my credit report for years and they refuse to remove it. I have never attended college in the past I have been a XXXX XXXX XXXX XXXX  all XXXX, XXXX, XXXX, XXXX I had all XXXX XXXX XXXX XXXX and couldnt leave the house I was in and out of the hospital.XXXX  stated to me loans were signed during those years I was home, Someone used my information to attend these colleges since XXXX and now there are four other colleges coming out in these loans they allowed someone to use my Identity, I have contacted both Department of Education along with XXXX  they wanted my information to change the correct information on the Applications they have and make it seem like it was me the id they have on file and mines dont match by a digit now and I do not want to give them anymore of my information they are refusing to help remove these on my credit report it shows various dates since XXXX. Loans are over XXXX and Ive never assisted college I have never been able to attend college because of this and because of my husbands job I got a free scholarship fully paid to attend college therefore no XXXX XXXX nor XXXX was signed with this scholarship neither and will not give the schools information to them because they will create another fraudulent package against me. They sent me proof of an application where it shows a warehouse address as living and all my families information they also committed fraud and added my parents under a loan in which they have paid because they did not know this was fraud committed.

Company response to consumer: Closed with explanation