BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-11
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.C. SYSTEMS PUT A {$1400.00} COLLECTION ON MY CREDIT REPORT SENDING IT DOWN 70 POINTS. 
THIS COLLECTION WAS FROM A SCAM MEDICAL FROM THE XXXX XXXX. 
I DO NOT OWE THIS AMOUNT AND IF I HAD MEDICAL WORK IT WAS PAID BY MY INSURANCE AND I DON'T GET {$1400.00} OUT OF POCKET BILLS.

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 2022-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed my credit card account with Capital One almost a month ago and I havent received a response from them regarding my dispute. There was a billing error in the form of a computational error that I discovered on my credit cards periodic statement, pursuant to 12 CFR 1026. 13 ( a ) ( 5 ). The billing error appeared as being very false and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2022 XXXX PM Equifax issued a national announcement stating that Equifax issued wrong credit scores for millions of consumers. Due to this I am not disputing but demanding that Equifax remove any and all erroneous accounts on my consumer report for the failure of consent and privacy per 15 U.S. Code Subchapter II - FRAUDULENT ACCESS TO FINANCIAL INFORMATION. Additionally, Equifax failed to exercise their grave responsibilities, they were unfair, impartial, and did not respect my right to privacy per 15 U.S. Code 1681a - Definitions ; rules of construction & 15 U.S. Code 1681b - Permissible purposes of consumer reports Lastly, never instructed them to furnish this report or to create this report and never consented to this report in the first place per 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Bank : Synchrony Bank in conjunction with TJMaxx. 

I have been charged late fees and interest even though my payments were posted before the due date. In XXXX 2022 I was charged {$65.00} in total fees & {$22.00}. Each time I have had to contact the company to have the fees & interest charges dropped. The last incident ( XX/XX/2022 ) the company dropped the late fee but not the interest charge. Because this has been an ongoing issue, I have since canceled my account. My payments were always made before the due date, I shouldn't have been charged or had to take time to settle the inappropriate business practices.

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 monetary relief
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 did not make the inquiries below. I have informed Transunion these inquiries were fraudulent and I have listed them below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Of the three major credit reporting agencies, only Experian charges $ XXXX/month in order for consumers to lock and unlock their credit file. 

When logging in to their site, consumers are first presented with paid upgrades which you must opt out of, each time you log in. 
When you manage to click through several screens and get to your account page, they warn you that your credit file is unlocked and you're more vulnerable to fraud and ID theft. 
Which you must pay for. 

Given their demonstrated inability to protect the voluminous amounts of private consumer information from which they profit, rewarding them with a monthly premium, in order to add additional protection to your personal information, is unacceptable. 

Freezing your credit file with them is free, but unfreezing has been very problematic and time consuming, XXXX. 

XXXX unfreezing a frozen credit file, their system doesn't recognize the ID pin they issue at the time of the freeze. 

Further, the public information they've used to verify my identity ( used to unfreeze a credit file without a PIN ) can be inaccurate or out of date. 
It's extremely difficult, if not impossible, to contact a human at their company for further action, based on my prior experience. 

In no case should they be allowed to mandate that consumers compensate them with a monthly subscription fee, for their lack of ability to safeguard our personal information, in order to lock and unlock a 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 2017-04-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax has willfully violated the Fair Credit Reporting Act ( FCRA ) by not conducting a proper re-investigation nor providing me with the proper documentation to validate that the state tax lien in the amount of {$2500.00} that is listed on my credit report is being reported accurately. 

My original correspondence dated XX/XX/2016 requested that Equifax validate this information with the XXXX County Recorder of Deeds and obtain any documentation that would prove this information was valid. Equifax response dated XX/XX/2016 indicated they verified the state tax lien and listed the address and phone number of the XXXX County Recorder of Deeds only. I followed up with a second correspondence dated XX/XX/2016 requesting from Equifax a full description of the steps they took to validate that the state tax lien was indeed being reported accurately. I specifically requested they provide the names, addresses, and telephone numbers of each person contacted at the XXXX County Recorder of Deeds office whom they alleged validated this lien. Once again, Equifax response dated XX/XX/2016 listed the same information from their previous correspondence listing the item was verified as before. 

On XX/XX/2016, I contacted the XXXX County Recorder of Deeds and spoke with XXXX to verify if the state tax lien Equifax was reporting was being accurately reported by their office. Not only did she inform that I do not have a state tax lien, but also that the XXXX County Recorder does not report liens to the credit bureaus nor verify the information reported by third-party research firms are accurate. I promptly sent a third correspondence dated XX/XX/2016 informing Equifax of their inaccurate reporting, negligent validation methods, and requested they remove this blatant inaccuracy from my credit report. Equifax responded on XX/XX/2016 stating the information was verified through a third-party vendor named XXXX. 

Please note that, as in XXXX ( XXXX XXXX ) XXXX Fed. XXXX ; and XXXX, the courts stated that verification can only be attained from a party with first-hand knowledge. A third-party vendor such as XXXX does not have first-hand knowledge and as such is considered hearsay and hearsay inadmissible and incompetent and does not constitute verification. 

As you have witnessed, Equifax has willfully and blatantly violated the Fair Credit Reporting Act ( FCRA ) on multiple occasions with regards to my request for them to validate the state tax lien they are inaccurately reporting on my credit report. They have been irresponsible in the way they have conducted the re-investigation and engaged in deceitful practices that the court have deemed inadmissible and incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My complaint is against Resurgent Receivables LLC AKA Resurgent Capital Services. They are in violation of 15 USC Code 1681a ( b ) which prohibits them from reporting a payment history on my consumer reports. I have copies of all 3 my consumer reports for the month of XXXX that shows they are reporting two XXXX as collection accounts, and are showing a payment history for those accounts. This is a violation of federal law. 

I addition to their violation of 15 USC Code 1681a ( b ), they are reporting inconsistent information on my consumer reports. On my XXXX report, they are reporting the loan type as a " Factoring Company ''. Whereas, on my XXXX and XXXX reports they are reporting the loan type as " Debt Buyer ''. The account types they are reporting are also inconsistent. Listed below are the inconsistent account types ; XXXX : Account Type - " Open Account '', XXXX : Account Type - " Debt Buyer '', XXXX : Account Type - " Other '' This is a clear violation of the FCRA which promotes the accuracy and fairness of consumer reporting. 

They have also failed to provide validation of the collection accounts they are reporting under my social security number. According to the FTC A PRINTOUT OF A CREDIT CARD STATEMENT DOES NOT CONSTITUTE VALIDATION OF THE DEBT! 

I have tried repeatedly to get them to resolve my dispute by removing the tradelines from my consumer reports, as of today XX/XX/22 they have failed to do so. The FCRA requires that they delete any incomplete, inaccurate, unverifiable information from my credit reports and they are refusing to do so. 

If they do not delete both of the inaccurate, unverifiable tradelines from my ALL of my consumer reports, I will be seeking all legal remedies allotted to me under federal and state law, up to and including {$1000.00} for EACH VIOLATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Santander Consumer USA Holdings Inc.
State: ND
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Dear Santander Consumer USA Incompetent Legal Team : Im just going to keep this short because I think the long complaints dont get the job done. You stated I am not qualified for the settlement due to my state not being on the list of eligible states. 

My car was purchased and voluntary repossessed in the state of Georgia. The address associated with my car is XXXX XXXX XXXX, XXXX, GEORGIA. 

I have also contacted the Georgia Attorney Generals office and was informed that Santander should be mailing out notices to Georgia residents ( over 20,000 notices ) by the end of XX/XX/2020 Per your website : What states are included in the settlement? You may qualify for relief if you were a resident of or purchased a vehicle in one of the following states when you got your Santander auto loan : o Arizona, Arkansas, California, Connecticut, the District of Columbia, Florida, Georgia, Hawaii, Illinois, Indiana, I WAS A RESIDENT OF GEORGIA AND PURCHASED A VEHICLE IN GEORGIA. THE VEHICLE WAS SURRENDERED IN GEORGIA. 

Again, please stop insulting my intelligence. Again, the offer of a pay to delete stands but the account has to be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: CITIBANK, N.A.
State: MI
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:
I purchased what was supposed to be specific models of keyboards, I was sent cheap imitations that were not only wrong, did not work. I provided Citibank proof including a letter from a technician stating that the equipment was in fact damaged, but Citibank chose to allow me to be defrauded. I still have the merchandise, I was given an address in XXXX which would cost me more than the order to return! Citibank is complicit in assisting this merchant to defraud me.

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 monetary relief
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided 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 non-monetary relief
Consumer complaint received 2017-04-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian did not properly investigate very serious FCRA violations concerning a negative account that is illegally reporting past the 7 year statutory reporting period. The account is XXXX XXXX, account number : XXXX. This account was due to be removed from my credit report on XX/XX/2016 yet somehow Experian recently investigated and updated my report verifying this false information. I have attached a copy of my XXXX report which clearly shows that the account was due to be removed XX/XX/2016. Experian does n't even list the date the account is scheduled to remain on record, allowing this account to continue to be illegally re-aged. I have also attached the page of my Experian report which shows the updated results that they supposedly verified this account, regardless of the fact that it is past the 7 year reporting period. This account was removed from XXXX and XXXX months ago. Please note the remarks on my XXXX report which states : Estimated Month and Year this item will be removed : XX/XX/2016

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 2017-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have called and sent certified letters in regards to the fraudulent inquiries.I have received the same general response for all inquiries. According to FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that nay information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information for it 's files. One can assume that there was no investigation into the matter since I keep getting the same general response. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I also have a fraud alert on my account since XX/XX/XXXX to prevent things like this from happening and it 's still happening. I demand that these inquiries are removed or I will take this further. 

Describe what happened so we can understand the issue ... 

I have submitted disputes to remove these inquiries that do not belong to me. I have not received an application or information on how these inquiries that I did not apply for credit on are on my credit. I need help clearing this up. The list of inquiries are below. 
These inquiries are fraudulent. They are not mine. 

XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
For the past XXXX Months XXXX XXXX has sent Transunion the information for this credit card and Transunion is not adding it and every time i call them they say they do not see it. It was on my credit and they accidentally removed it and will not put it back on. XXXX XXXX has sent them official documents for it with no luck.

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 2021-11-11
Company: WELLS FARGO & COMPANY
State: NH
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

3. Identity Theft WF CRD SVC Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

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 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter on XX/XX/XXXX, 60 days ago requesting an investigation into an inaccurate account I saw on my credit report. Then I sent a follow-up letter on XX/XX/XXXX asking that they comply and tell me the results of the investigation. I still haven't received a response on my dispute. I feel like they are ignoring my consumer dispute.

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 2017-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XX/XX/2016 I noticed my debit card was lost. I called Bank Of America immediately checked my balance and it was off. I spoke to the fraud department and filed a claim for XXXX transactions for the amout of {$500.00} each which equals to {$1000.00}. The transactions were made from a XXXX XXXX ATM on XX/XX/2016 @ XXXX XXXX. My claim was denied even after i had filed a police report on XX/XX/2016 with the city of santa fe police department. I reopen the case on XX/XX/2016 at XXXX and was denied again. I tried all i can to speak to them about the claim and they tell me that unfortunately they are not the ones working on the claim but will put notes for the individual working on my claim. I asked multiple times if the person working on my claim can please give me a call back which i never received. I did speak to several supervisors and all would tell me the same thing that since it was not a Bank Of America ATM they have no rights to view footage. They told me i had to get that done on my own so I went to the XXXX XXXX where the ATM was at and spoke to several bankers and managers they did me the favor by contacting their fraud department which they could n't do that for me I had to have a subpoena in order to view the footage from ATM. they told me that was strange that BOA should of taken care of it, they can also view footage with subpoena each bank have their own lawyers. Well, i was running up and down calling places, I have invested a lot of time in this whole mess, i had sleepless nights and just overwhelmed overall. My account was closed by them due to it was on the Negative {$76.00}. I had kept the account open due to they said i had to remain my account open since there was a claim. I was very upset with their service i took the money i had left over. Over time the monthly fees accumulated and so did Overdraft fees which was what caused me to go negative. I feel that all my rights as a BOA consumer have been violated. Claim Number is XXXX My account number is 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 2022-08-30
Company: EQUIFAX, INC.
State: AL
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 have never had an account or debt with the below company and I have informed Equifax numerous times of this. 

XXXX Last reported XX/XX/2022 {$100.00} Open balance XXXX XXXX  Original creditor This is a fraudulent account.

Company response to consumer: Closed with explanation