BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
Company: EOS Holdings, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I found out that there was a XXXX account in collections under my social in which I have NEVER IN LIFE had XXXX. I contact XXXX and let them know several times and XXXX kept telling me the collection agency had the account and that I needed to let THEM know in order for XXXX to be removed. I have filed disputes against both this company and XXXX in which neither has followed protocol for theft/unauthorized use of information. THE ADDRESSES they have attached to this account I have NEVER LIVED AT and they are in a state in which I have not lived since I was XXXX XXXX XXXX! A minor so it is impossible for me to have had XXXX XXXX in a place that doesnt even OFFER XXXX XXXX have I ever give anyone permission to use my information at ANY TIME for ANY REASON. This is absolutely unethical and I demand this be removed immediately. THIS DOES NOT BELONG TO ME AND THEY KNOW IT DOEST AS I HAVENT LIVED IN THE STATE IN WHICH THIS ACCOUNT IS XXXX ACHED TO IN XXXX XXXX YEARS. And I also NEVER LIVED AT XXXX ADDRESSED ASSOCIATED WITH IT EITHER! I have never had XXXX XXXX HONE CABLE NOTHING! And ALSO when I contacted XXXX to find out more information I found out that the date this company was reporting wasnt even the opening date of the fraudulent account! So not only is the original account fraudulent to begin with, this COLLECTION AGENCY HAS ALSO FRAUDULENTLY SWITCHED THE DATES XXXX MAKE IT SEEM MORE. XXXX XXXX IS EVEN WORSE! TAKE THIS OFF NY XXXX XXXX NOW! THIS IS A VIOLATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: SYNCHRONY FINANCIAL
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calling me once a day every day of the week. More than seven days in a row repeatedly

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 2020-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Hi, I submitted a request for multiple accounts to be investigated on my XXXX  credit report. XXXX  will come back and say the account has been verified. I would have no issue with this if items were properly investigated. I have attached multiple account statements I have received from collection accounts saying they verified my account with these statements. 

These statements I have received tells me XXXX  has not investigated properly. Anyone can make a Statement saying I owe money its not the original signed consumer contract. 

I expect the accounts I have attached to be deleted and I also expect all my other accounts to be re-investigated properly and validated. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below.

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 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX dropped my credit score by three points on XX/XX/21 and TransUnion lowered it by two points for new balances on my XXXX card for {$110.00} and XXXX XXXX card for {$11.00}. This is insane and abuse of power. I am using less than 0.5 % of my credit line and both balances have been paid in full. This should not have been allowed to occur. They have done this to me in the past a few times and I am not going to let this continue.

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 2023-04-24
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 explanation
Consumer complaint received 2019-07-14
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019, I contacted Midland Funding LLC. 
Midland Funding and I came with an agreement and settled the amount owed the same day, XX/XX/2019. Midland Promised to remove the account from my credit history on the first cycle of reporting to credit reporting agencies. ( XXXX, XXXX, XXXX ). 2 reporting cycles have passed and the information still appears in the 3 reporting agencies. I contacted Midland on XXXX XXXX to get information on the removal or reporting of information to the 3 credit reporting agencies and they had not cleared up the information. I called on XX/XX/2019 to ask about why they have not reported the payment of the account and they still said they will be reporting on the next reporting cycle. 
I mentioned that they have said the same thing on XX/XX/2019 and they have not done it. 
I made a record of reporting this t0 the Federal Trade Commission for not reporting according to the fair credit reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: TX
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 fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion 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 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
Consumer complaint received 2020-03-22
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XX/XX/XXXX I noticed several inaccurate and erroneous information on my credit report accounts, and discrepancies that cause my credit score to take a deep dive in scores. I am submitting this complaint pursuant to FCRA 15 U.S.C. section 1681 ; 1. I noticed that XXXX  account is reporting that I am not paying on the debt owed. I state that I made payment arrangements with XXXX  and I have met the agreement by paying more than the minimum arrangements. The reporting from XXXX  is incorrect.

2. I contend that FICO, Equifax, XXXX, and XXXX  all credit bureaus have applied unfair practices to calculating my overall credit score. I state that my payment history is more than 90-percent and I have no Derogatory marks or collections on my credit report.

However, my credit score is lower than when I had numerous accounts owed on and collection acccounts on my credit report more than three years ago.

3. I state that the credit score is not consistent with my overall credit score which was XXXX in XX/XX/XXXX. I contend that my credit score is not fairly calculated and assessed by the Credit Bureaus. 
Therefore, I am requesting an investigation into this matter and ask that this Bureau review my claims and order the Bureaus to re-calculate my credit scores in keeping with Fundamental fairness practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Synter Resource Group, LLC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified by Synter Resource group on XX/XX/2019 regarding an alleged debt. I have reason to believe I do not owe this debt because I have never conducted business with XXXX XXXX XXXX  XXXX, XXXX. I have never received a bill, nor an email. 
I requested all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in New York. 
I notified company within 30 days of being notified about this debt, and expressed they must cease attempting to collect this alleged debt until after they have provided the requested information. They refused to supply the information in writing and instead stated they are unable to do so and can only communicate via email. 

I notified XXXX XXXX XXXX XXXX myself and was told that the debt is not mine, that it was a mistake, and they have rectified the account. Synter Resource group continues to contact me via email that I owe a debt that is collecting late fees and interest after I notified them in writing to cease and after XXXX XXXX XXXX   XXXX rectified my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My servicer changed from XXXX to Mohela early this year. They were supposed to have everything transferred over. I need proof of payment going back further than the transfer date. I need this for tax purposes. If I don't get it, I will have to pay back a significant sum for the tax credit I received. I've made all payments on time, even during the COVID deferment period. The statements prior to the transfer date are not made available online, so I called Mohela to request them, as it says we can do. XXXX XXXX also told me I had to call Mohela for those statements. The representative told me they would be mailed to me within 30 days. That was three months ago. I have received nothing. I don't know what to do about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment of approximately {$4000.00} to my XXXX  XXXX credit card using Bank of America ( the card issuer 's app ). The app didn't provide a confirmation, so I waited several business days and tried again. 

Once again, there was no confirmation in the app, by email, or the Bank of America website. Then a few days later, a double payment of {$8000.00} dollars was withdrawn from my checking account. 

I called on XX/XX/XXXX to resolve the issue and get a refund. I was told the money would be returned within XXXX business days. It is now XX/XX/XXXX and the money has not been refunded.

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
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 2022-10-20
Company: FIRST HORIZON BANK
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received in the mail today a first Horizon XXXX XXXX that I did not request. This is a fraudulent account and needs to be closed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am writing this complaint in regards to my Capital One Platinum Mastercard. 

I have been a customer of Capital One for nearly 7 years and I have NEVER been late nor missed a payment. I have made at least the minimum payment in every billing cycle and often times I paid more. 

I recently completed a balance transfer TO my Capital One account in hopes of being able to get a fair rate and/or offer since I have been offered them numerous times prior to the current financial situation. 

I have a {$6900.00} balance with Capital One as a result of that transfer and my credit limit is {$7000.00}. I am on XXXX as my sole source of income and I make just over {$1200.00} a month which I use to pay rent, utilities, medical and grocery. I also use about {$300.00} of that total for credit card debt. I currently have 9 credit cards and I have a high balance on two of them ( including Capital One ). 

I have worked VERY hard to obtain good credit and in hopes of avoiding any damage to my credit report I contacted Capital One in XX/XX/2020to negotiate a lower rate than the 20.4 % they were currently charging. With the balance that high and the interest that high my interest alone would be twice the minimum payment with the minimum payment at this time being {$69.00}. 

The person I spoke with at Capital One was working from home ( thats what I was told by the CS rep ) and stated that she tried to see if I had any offers on my account or if there was any lower interest offers or upgrades and she said she could not find any. I explained my situation to her and she pretty much just blew me off. 

I'll be able to make my next minimum payment but the interest will still eat up ALL of it and then some. Unless Capital One comes down from their " Tower of Greed '' and is willing to work with me in a fair and mutually beneficial way I will have no choice but to let the account become past due and charged off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: KY
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 numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-04-24
Company: EQUIFAX, INC.
State: KY
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 numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Made payment to Sams Club Mastercard instore, {$120.00}, on XX/XX/2022. 

While the website states a payment is not due, the payment is not reflected in the payment history in the attachment.

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 2022-02-18
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent a debt validation letter certified mail so I can validate the debt they never responded so now Im filing a cfpb complaint! this debt collection agency is stopping me from exercising my rights as a consumer and in the letter I asked for them to send me the documents I asked for or pay all scheduled fees and to remove the alleged debt from from my consumer report. Statements and contracts ARE NOT A VALIDATION!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: LCO Financial Services, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Dear Lender, It has come to my attention that payday lenders must be licensed by the state of Florida in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Under Florida statutes, usury is defined as the charging ( whether paid or not ) of interest that exceeds 18 percent on loans, lines of credit, advances of money or any obligation of amounts up to {$500000.00}, and that exceeds 25 percent for transactions involving amounts totaling more than {$500000.00}. 

Although I am not legally required to do so, I am willing to repay the principal balance of this loan.

To date, I received a deposit of {$750.00}, and have had 16 bi-weekly withdrawals of {$170.00} debited from my account. This results in a principal balance of {$2700.00}. This results in an overpayment of {$2000.00}. 

At this time I am requesting a return email acknowledging that my loan has been paid in full. Also, I would like a refund of the {$220.00} overpayment. A refund check of {$2000.00} should be mailed to me at the address you have on file. 

I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Pre-authorized transfers. I revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected.

I demand that any contact be made through email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General 's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan.

I must also inform you that I will be filing complaints with the XXXX XXXX, the Federal Trade Commission, and Floridas Attorney General 's Office. 

I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted. 

Sincerely, 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 2022-03-28
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not sure where this debt came from. There was already a XXXX amount from XXXX bank and i have called and this was already closed out. Now there is one that went to Midland funding in the amount of XXXX which does not make sense to me. I don't own this card either. 

I came to know about this during my refinance of my house.

Company response to consumer: Closed with explanation