BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-19
Company: Synergetic Communication Inc
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Synergetic Communication , Inc at XXXX XXXX XXXX, XXXX XXXX, XXXX ID XXXX. Has been sending me collection notices in the amount of {$1500.00}. The collection has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have contact with my signature. 

I have not supplied no proof under the doctrine by silence XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. XXXX. I presume that no proof alleged debt, nor therefore any such debt, in fact exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On  XXXX   XXXX ,   XXXX  , I applied for a card from  Capital One.   The application was n't approved. Today,  XXXX   XXXX ,   XXXX  , I was emailed a letter from  Capital One.  This letter was exactly the same as the previous letters that I have received from them.  Capital One  is claiming that based on my application, there is pending legal action against the applicant. They once again have not provided me with the name and contact information for the agency that furnished  Capital One  with the information used in this credit decision as required by law. I have received phone calls on two separate occasions from individuals who claim to be with  Capital One ' s  executive  office. Apparently they can not, or will not help me. I ask for the agency that provided this information so that I may dispute it. " I 'm not sure '', or " I do n't know '' is the standard reply. I am told to check with local and federal courts to see if there are any public records about me. I havechecked, and there are no legal matters about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Experian Information Solutions Inc.
State: AL
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:
Hello.   Something wrong with my credit report.   Some information that Experian has is not mine. (   XXXX   XXXX   XXXX   ) I am not good at English.   So I have tried to contact Experian several time through online to avoid misunderstanding.   But they never give me their response.   Please remove these errors from my report.       1. Someone who I do n't know is on my report.
2.   Some   XXXX   card number is not mine.     Please see attachment.     I 'd appreciate it if you could check this and send me your response.     Thank you.

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 2017-04-25
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
on   XXXX   XXXX   i called Equifax 3 times, was hung up on twice, the last person named   XXXX   took my complaint and he said that for inquiring on    XXXX   XXXX   XXXX    this will add another 10 years which will not remove til    XXXX   XXXX    This is a fake. this account has been inactive since   XXXX   this is now  XX/XX/XXXX , i then called   XXXX   XXXX   and also got the run around, the rep who talked to me wanted me to give her my social security number, so i did, then she wanted my current address, so i gave her that, then she wanted my full name, and i gave her that, when i explained that this report has well over 10 years of stagnation to be removed she wanted the credit card number, i closed this account years ago, i dont have any card attached to them, so then she wanted me to send her or them a credit report of the statement i called about, i told her i am a   XXXX   XXXX  , i dont have access to an address to be doing this, so she pretty much was defiant on resolving this issue.
that makes it 18 years old. this should of been removed long time ago.   XXXX   XXXX    is a defective company and very undermining, just getting them to stop sending me statements when I lived in North Carolina from  XX/XX/XXXX -   XXXX   took the help of the   XXXX   because calling these people or animals was nothing more than defiance, insubordination and absolute refusal to meet civil rights. Who ever developed these credit bureaus was someone who wanted drama and chaos to happen. Such a pathetic boring way to live. these people are pompous and immature, no business skills, not even a business more like a sham.

here is what is on Equifaxs form:
equifax report

  XXXX   XXXX  

  XXXX   XXXX   

  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent multiple letters to The credit bureaus XXXX, XXXX, and XXXX, about multiple derogatory accounts that showed up on my credit report and has caused me to get denied for a mortgage loan. I have since then sent dispute letters to all 3 of the bureaus to verify the legitimacy and accuracy of these derogatory accounts. 

XXXX could not verify the accuracy of these accounts and has removed XXXX collections accounts from my credit profile. Which I asked them to do if the accounts could not be verified. 

XXXX has not shown me any information to verify these derogatory accounts and the account continue to remain on my credit file. 

XXXX has delivered an electronic response that does not provide the original documentation of the debt that I supposedly owe and has not given proof of accuracy for any of the accounts being disputed. 

have sent XXXX dispute letters by mail to each of these bureaus. However, no bureaus have provided information in the mail for legitimacy and accuracy of these derogatory accounts effecting my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
It is my fault that my account became in overdrafted  XXXX   XXXX . I lost track of what had and had not been deducted.  The Charges Float and  transactions do n't appear for days -- making it difficult to estimate how accurate my online checking is. My account overdrafted, payment where returned/ denied. I transferred funds and payed the  $ 200+ in  fees for every specific over draft item on  XXXX   XXXX .     What I can not accept is when the company, without my authorization allowed other companies they rejected payments from to   Retry Pymts, which in effect created another {$200.00} in fees to stack up only a few days after bringing my account to balance. I would have closed my account if I thought something like this would happen.
Fifth Third Bank does not record charges and purchases on ATM or debit cards in the order they actually occurred, they allow charges to float for days, then reorder them to suit their overdraft system. The Charges Float and   transactions do n't appear fo  r days -- making it difficult to estimate how accurate my online checking is. Fifth Third Bank reorders the charges and purchases so that the largest charge or purchase is the first one paid by the bank, and uses the smaller ones to rack up overdraft fees of {$37.00} each.
They did this to me twice in less than a week. They over-use the Return Item/Overdraft, then allow indefinite Retry Pymts r  equests to be processed, even when its already in overdraft, stacking up fees of {$37.00} for each retry payment, which they allow without my authorization. They should limit the numbers of retrys.     I would prefer my account just be denied use if it is over-drafted. Its not just to charge an account that is already in over draft several times more there after. This company is close to charging {$400.00} in fees in less  than one w eek. I want to cancel my primary checking account.     Customer service informed me that I must keep my primary checking to deposit my pay-checks in a timely manner. I will switch all my charges to my express checking account, becaus e 5th 3rd customer s ervice has assured me that that account will not allow overdrafts, or overdraft fees to stack up like my current primary checking.     When I receive my next pay-check on Thursday  XXXX   XXXX    XXXX   I will deposit it into my account and let the cash sit in there for a couple days to catch the rest of these floating repayments. I will go through every third pay system and delete the primary checking account number.     I feel like the second + {$200.00} dollars in fees they have applied to me is unfair and unjust, especially because I had no control over authorizing the  Retry Pymts requ ests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Hodosh, Lyon & Hammer, PC
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
An attorney for 'XXXX ' ( A credit card company that I had debt with back in XXXX, with a payout in XXXX, apparently got court approval ( without my knowledge ) to garnish {$1300.00} out of my bank account, PLUS another {$120.00} fee. The original debt was about {$4000.00} before I settled and paid less to close the debt. They are saying I now owe them {$12000.00}!!! ( with all the interest over the years )!! 

My husband and I obtained a mortgage in XXXX, and part of the mortgage process required me to settle any unpaid debts, in which I did ( or I wouldn't have gotten the mortgage! ). I recall settling this debt, although I can not find the paperwork to prove it. 

I thought to contact the mortgage company, who would have all of my credit information from that time, but they went out of business is XXXX. 

Since credit reports and credit bureaus only go back about 7 years, I can not get a hold of the information to clear this up. My credit rating is good, and I have no 'strikes ' on my record according to XXXX Credit bureau XXXX 

This debt is about EIGHTEEN YEARS OLD now ... .. how is this even legal??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Experian Information Solutions Inc.
State: MS
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:
This is my last attempt to contact Experian about the information that is being published to my credit report. The following account needs to be removed from credit report.    XXXX   XXXX  account  number  XXXX  is reporting twice not understanding why or what is account really is. I never gave my permission to  XXXX   XXXX  to open any accounts using my information. I kept getting bills to my address in my name your this company I never paid a payment because the accounts were not my account I requested the company to provide me with a contract with my signer or something so I could provide to the police dept. They never sent anything I was advised to fill out a  Fraud packa ge.     I am asking Experian to Validate the information reporting under my publi c Record I   never have a Judgement filed against me. The Companies that is listed under my  Public Record is   XXXX   XXXX   XXXX   XXXX   XXXX  I contacted each  one  of them to see if there was an open case or judgement filed against me on the dates that is listed on my credit report there was no record found Please remove this information from reporting on my credit report. This information is very damaging to my credit and reputation.   I have included a copy on my F TC Affidavit package a nd a copy of my credit report. The inquires needs to be remove from my credit I understand that they are a fractional items I do n't need that type of information to be displayed on my credit report when I did not give the companies permission to view 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 2017-04-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried to dispute this with   Equifax   multiple times to no avail.   Equifax   is reporting a  XXXX   XXXX  Foreclosure from  XXXX  is currently  XXXX  days past  XXXX . The home was foreclosed at a  XXXX  balance in  XXXX  which is reflected on the report. It is physically impossible for me to be  Currently  120 days late on a  XXXX  balance, and it shows it was never even 120 days past due on top of it! Based on the FCRA, they need to be accurately presenting my credit which they are not doing.     I escalated with  XXXX   XXXX  who spent a lot of time with me investigating each code they were sending to Equifax and stated they are reporting it correctly and I need to escalate back to Equifax because for some reason they are not mapping it back to my credit report correctly.  XXXX   XXXX  even had 2 physical humans working through the file on my behalf to ensure they were submitting the data correctly back to Equifax.     Equifax is stating all they can do is re-dispute instead of just fixing the status or removing it off the report. Both   XXXX    and  XXXX  have already fixed it on their system, but Equifax refuses to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update from reporting. 
XXXX  XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2017-04-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
i appli ed two credit cards from CITIBANK web online,    XXXX   accepted my applications and send me cards, i spent both cards amount what they were showing on their online promotion, but i did not get same promotions fro m Citibank, i called them and i went my Citibank branch, i faxed their online promotion offer copy   and i mailed them also.   so far i did not get my bonus offers.   they wa s two sep arate offers ; first card offered ; earn  75000   XXXX  h honors bonus points after making $  XXXX  in purchases within the first 3 months of account opening. ( which i spent more than $  XXXX  but i did not  get 75000 bonus poin ts ) second card offered ; e arn 2  weekend night certificates after $  XXXX  .- in p urchases within the first 4 months of account openin g ( w hich i spent more than $  XXXX  .-, but  i did not get certificates ) please help me  get my 75000 bonus points and 2 night certificates from Citibank which they were publishing on their web page that day i applied both cards, i am sending both copies i printed from Citibank web page.    this is a corruption and cheating from customers!

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 2021-11-19
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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax 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 is the inquiry that are reporting on my Credit Reports and needs to delete immediately. 
XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have called Equifax over fifteen times in the past two weeks trying to find my credit account. They do not have any credit history on file despite me having a credit card for over thirteen years. I am able to get credit history and reports from XXXX and XXXX without issue. Equifax has either lost my account or data.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My issue is  with Synchrony Financial Services who are t he bank for several store card suc h as Walmart, Amazon,  Pep Boys and Care Credit, which are all cards I have. In  XXXX  and  XXXX , I had issues paying my bills and was either late or missed payments. I have since rectified the situation, brought all of the accounts current and have not missed payments. the card in question is t he Walmart card.  It had a {$2000.00} limit and a balance of {$350.00}. I received a letter on  XXXX   XXXX ,   XXXX   that my credit limit was being dropped to {$370.00} due to issues with my credit report. That left me with {$17.00} open to spend. When I contacted Walmart/Synchorny they could not explain why the drop was so significant. Because they dropped my limit, it now appears that I have over utilized the credit and I will continue to receive a low  credit score beca use I am now so close to the credit limit as well as have my credit limits decreased again due to the low score. This will be a cycle that will continue with Synchrony bank until they have decreased all of my limits bas ed on two months of trouble that has since been resolved. This is the second card managed by Synchrony   Bank where the credit limit has been decreased based on credit report. The report was provided by  XXXX  and the reasons listed were existing problems that had been on my credit report for years (  a discharged bankruptcy that is over 7 years old a nd a medical collection issue that is also several years old and is due to an insurance company changing benefit amount and leaving me with a large bill that I could n't not pay ), loan balances that are too high ( I have student loans and a loans that have always been paid, a re two years old or older, existed when I had my credit approved/increased with Synchrony Bank, never been in default, payments have always been current even during the two months I has issues and their balances have not increased so I do not understand that re ason ).   Walmart/Synchrony have been unhelpful, I have called customer service repeatedly, have been hung up on and yelled by their reps, been told they have no record of my call history regarding this or they just transfer me to the   XXXX   Credit Report order hotline when they tell me they are sending me to an accou nt specialist.

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 2022-08-16
Company: Affirm Holdings, Inc
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon seeing my credit report, it pays my attention that the following accounts are inaccurate and fraudulent. I am a consumer by law. I am not happy about it what I saw. This hurt my credentials as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts are reporting past due amounts in which I have never been late. 
XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation