BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: TX
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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Experian : XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$1900.00} XXXX XXXX XXXX CARD XXXX XXXX {$0.00} XXXX XXXXXXXX Balance {$2800.00} XXXX : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$2800.00}

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
Consumer complaint received 2022-04-23
Company: TrueAccord Corp.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice dated XX/XX/2022 in XXXX from XXXX XXXX XXXX regarding an alleged debt. 

I called XXXX to dispute the debt on XX/XX/2022, but the representative could find no reference to the alleged debt even when I provided the reference number. 

I then disputed the debt via certified mail on XX/XX/2022. Tracking showed that certified mail was received by XXXX on XX/XX/2022. 

I received no response until today XX/XX/2022, when a new company, TrueAccord, attempted to collect the debt via email. They made no mention of my dispute. TrueAccord 's email did not make it clear what their affiliation is with XXXX XXXX XXXX and whether or not they are one and the same ; therefore, because TrueAccord attempted to collect the debt without providing the requested proof ( a request which was received over 60 days ago ), I am reporting both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
someone is using my identity in XXXX Tx. Ive never been to texas. I live in Florida. I 've complained to all the credit bureaus and nothing has been done. I notified the companies involved and they did nothing either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: BARCLAYS BANK DELAWARE
State: OR
Product: Credit card
Issue: Billing statement

Complaint:
I called Barclays MasterCard credit card services today they said that I owe {$89.00} as of yesterday they change my due date without notifying me. I said no way I paid {$120.00} on the XXXX of XXXX.they kept my payment ... .and want the XXXX and because I do n't have it Barclay will hit me with a late fee. What the XXXX I have a perfect payment record. I refuse to send Barclay a XXXX dime.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I have not received a bill in the mail at all until today, despite having had an account since XXXX 2015. I have been struggling trying to gain access to my account online as well. The bill I received today stated that I owed {$98.00}, which is odd since I paid my bill in full several months go ( a little over {$35.00} ) and had n't ordered anything since then. 

I called their number and after a wait spoke to a person who identified herself as XXXX XXXX, a representative with a XXXX accent. I explained the situation and expressed concern that someone had stolen my card or unlawfully accessed my account and charged some items since I had not ordered or received them. She put me on hold and then returned to tell me that she could n't help me, that my account had been placed in collections. 

I had JUST received a bill that XXXX ( yesterday ). She tried to hustle me off the phone and I insisted on speaking to someone who would help me, because everything she was doing had so far been, to my knowledge, completely wrong. She continued to insist that nobody could help me because my account was in collections and there was nobody who knew anything about managing my complaint or situation. I told her that I am a US citizen and that what she was telling me runs counter to consumer protections. She eventually transferred me. 

The next person I spoke to called himself XXXX XXXX, id supposedly wsq, also with a XXXX accent. He was slightly more helpful but told me that the amount stolen would be accruing interest and late-payment charges while in dispute. He also wanted to outright cancel my account, which I believe would make it much more difficult for me to check the status of the dispute. XXXX also stated that there was no claim number. He then transferred me to XXXX, a person who spoke North American English with no discernible accent. XXXX did not explain why Synchrony Bank 's ( the bank that sources Amazon 's credit card ) XXXX response was to tell me that I could not be helped and aggressively try to dump the call. He did cancel the card, take information such as my car having recently been broken into etc, and told me that there was no case or claim number associated with my case but I could call back in 24-48 hours to check on the case 's progress. 
Synchrony Bank's/the Amazon Card 's response in the face of theft and fraud was to tell me that I am stuck with the bill and the dings on my credit report that result from late charges and going into collection rather than forwarding me to the fraud department. 

I should not have had to convince them to do the right thing. If they had been speaking to an elderly person, or a person with limited phone time, the charges of fraud would not have been addressed. This is an extremely shady bank and card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Late fee

Complaint:
Today I leaned that my QVC Credit Card had been charged a {$25.00} Fee for not paying the entire bill of {$40.00} which I believe I did using XXXX checking accounts XXXX of which {$35.00} was paid.The XXXX account was never charged the additional {$5.00} .I believe this problem may have resulted in Synchrony Over Hauling it 's website which I took the Liberty of visting that only shows my XXXX checking not XXXX XXXX XXXX that made the final {$5.00} payment.Also Synchrony caused my Account XXXX go over it 's Credit Limit by QVC Flex Pay which I would also like XXXX dispute all of the interest charges that was applied XXXX my account.Because all of these shop @ home programs claim that no interest will be charged XXXX your account using Flex Pay

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-30
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
After submitting no less than XXXX disputes to Equifax they are still reporting a debt that has been deleted by both XXXX and XXXX, as the date of last activity on the account was XX/XX/XXXX and seven years have passed. Equifax has not supplied me with any documentation supporting their XX/XX/XXXX date of last activity. I have contacted XXXX XXXX XXXX and I was told they can no longer access my account records. Equifax 's own payment history chart reflects that the XX/XX/XXXX date is correct, yet they have stated on the phone that they are using the XX/XX/XXXX date because that was the date supplied to them. They have provided me with no documentation to support their XX/XX/XXXX date. Equifax only directs me to " follow up with the creditor '' because they " have no authority to delete the entry '' as they merely report information. When asked to provide documentation regarding their multiple investigations into this issue, I was told " the creditor confirmed the date is accurate '' and " you have to go through the creditor. '' Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, has violated my rights. Delete. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. Delete. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. Delete. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. Delete. 
XXXX XXXX # XXXX, has violated my rights. Delete. 
XXXX XXXX # XXXX, has violated my rights. Never late. Paid satisfactory.

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 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 2022-04-23
Company: ERC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Enhanced Recovery Co L Listed on my credit for a collections account. They have reported it 3 times. XX/XX/2020, XX/XX/2020 and XX/XX/2020. 
Al

l 3 are for the same $ amount. Same bill. I have tried on numerous occasions to get this settled. It is showing 3 separate times as 3 collection accounts/amounts. They can't even find my information from XX/XX/XXXX to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I came to warn you about a website hosted under XXXX XXXX XXXX. 

I provided a Western Union for XXXX USD under the name of XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He receives payments for services he does n't provide. I was a victim of fraud yesterday and my order was not successfully completed. Western Union acknowledged the cash pickup and I was left without my service. 

He has a XXXX account under investigation with the same name XXXX XXXX XXXXXXXXXXXX. He set in motion a western union payment yesterday through my email where he convinced me to pay and continues to request for more money for services he did not complete as early as XXXX XXXX XXXX XXXX XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have tried numerous times, time after, time to have a few accounts removed off my credit report and finally had success with a few but only with one or the others from the bureaus below in listing what accounts in having issues with and what bureaus. 


XXXX XXXX {$4200.00} XXXX XXXX, XXXX XXXX TRANUNION HAVE CONTINUSLY DENIED DISPUTES XXXX- {$440.00}, denied by all 3 bureaus XXXX  {$440.00} DENIED BY ALL 3 BUREAUS XXXX- {$230.00} 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 2016-12-28
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
My wife and I applied for a Home Equity Line of Credit with Wells Fargo Bank. The phone rep, XXXX, obtained all of the information. Based on our mortgage balance and the estimated value of the home as well as income figures, he offered us a loan of {$33000.00} which was more than we were asking for. We lifted the credit freezes we have for protection. Our XXXX scores were above XXXX. Wells Fargo ran our credit reports and denied our request for a HELOC based on Loan to Value. We complained to Wells Fargo that they misrepresented, mislead us and committed fraud. The application should have stopped with the phone rep based on loan to value since he had the figures. The file was re-opened by XXXX XXXX, a supervisor, who said XXXX had entered incorrect figures for income ... he had used net instead of gross amounts. We were then conditionally approved for {$33000.00}. Documents were provided as requested. We were then denied a second time for loan to value and income/debt ratio. We feel that Wells Fargo committed fraud by misrepresentation, was misleading, provided false information to us, and made false statements to us. They had all of the loan to value and income to debt figures when the original and corrected application were submitted. They should have known then and there that we did not meet their criteria for the loan. They should never have run our credit reports based on the information they had. Now our credit reports show a hard hit and a declined credit request. We are asking that the credit hit from Wells Fargo and the declined credit be removed from both of our files.

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 2022-04-23
Company: Experian Information Solutions 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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXXExperian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are reporting on my Credit Reports : Inquiries ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date 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 2022-04-23
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, has violated my rights. Delete. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. Delete. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. Delete. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. Delete. 
XXXX XXXX # XXXX, has violated my rights. Delete. 
XXXX XXXX # XXXX, has violated my rights. Never late. Paid satisfactory. 

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 2016-06-18
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
Synchrony bank is absolutely disgraceful. A customer service representative told me that I could make a minimum payment without receiving a late fee. I was still assessed a late fee and concurrently assessed a late fee every month thereafter even though I was making payments. I 've tried calling and filing complaints and each time i 'm either given the run around and directed to people who tell me flat out that they ca n't help. I told them that I would no longer make payments towards the account if they were still going to charge me a late fee even though I was making on time payments. At this point I do not know what to do. The are impossible to work with and they 're ruining my credit score. I do n't know what to do.

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 2022-04-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have tried numerous times, time after, time to have a few accounts removed off my credit report and finally had success with a few but only with one or the others from the bureaus below in listing what accounts in having issues with and what bureaus. 


XXXX XXXX {$4200.00} EQUIFAX XXXX, XXXX XXXX XXXX HAVE CONTINUSLY DENIED DISPUTES NCA- {$440.00}, denied by all 3 bureaus XXXX {$440.00} DENIED BY ALL 3 BUREAUS XXXX- {$230.00} EQUIFAXS & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: TX
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:
Upon reviewing my credit file, incorrect information was found in my reports. The TXXXX/ExperianXXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Account ; XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$400.00} ; Incorrect Addresse ; XXXX XXXX  XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX TX 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 2022-07-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent my letters off XX/XX/2022 by usps. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 


According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit reports showing the inaccuracies. 



List of accounts : XXXX # XXXX XXXX  XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
in XXXX 2015, jcpenny used my credit without my consent, this is not the first time I have filed a previous report. Jcpenny only address the partial concern. Instead of the company taken only both inquires off, they only took XXXX inquiry off that still show up on my credit report and that is the inquiry on XXXX XXXX, 2015, from Transunion credit report. I asked the company twice to take the inquires off, and I states to them that it was XXXX of them, it has been pass the 60 days, and I am no longer waiting on another 60 days for the company to take the second inquiry off. I have every right to file another complaint.The company should have taken this very seriously when I file a compliant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-10
Company: COMPUTER SCIENCES CORPORATION
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XXXX XXXX initiated harassing collection style calls to my wife 's cell phone alleging late payments and threatening harm to our credit and lawsuits if we did not make immediate payment. My wife had purchased a new car and traded in the XX/XX/XXXX for a XX/XX/XXXX. The payoff was evidently XXXX short due to a mistake that the purchasing dealership had made. A XXXX payment had been deposited by XXXX XXXX days earlier. A letter arrived to our house the same day that the harassing calls started. The callers were angry and accusation each time. The terribly rude behavior continued several times per day, even though the paperwork they sent stated that a payment was not due for another XXXX weeks..

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