BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-01
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I recently applied for public service loan forgiveness and was approved and place with FedLoans as my student loan servicer. I completed all of their online documentation and opted to complete online payments. Additionally, prior to being placed with this scam company, I completed the federal application to renew my income-driven payment application which was approved and accepted by XXXX XXXX student loan servicer. 

First, FedLoan claims my bank ( XXXX ) rejected my online payment because they couldn't find my account. In doing my research this is a common complaint people have about this company. I logged into my account to review what I had entered and all the information was correct. I contacted FedLoans and was given the same song and dance, I explained the I pay Navient Loan servicer every month using the same account information. In speaking to my bank, no payment from FedLoans was ever sent to XXXX with an account similar to my account or my account number. 

Then, I received a message that I had failed to complete the Federal Student Loan Income-Driven Recertification application so, now I owe {$2500.00}. When I called I explained I completed the recertification process on XX/XX/2019, and I was told that the application was insufficient and I had to complete it again. In the meantime, I receive correspondence from XXXX stating my income-driven recertification application was denied because it was not time to recertify my application. 

It is plain to see that this is a scam of a company and they are being allowed to force consumers to pay outrageous amounts through unscrupulous business practices that border on the line of illegal and are most certainly unethical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 received a copy of my credit report with the intention of trying to improve my credit and take care of responsibilities and I noticed a few accounts that I wanted a little more explanation on. Im not saying that they are reporting right or wrong Im saying that I am not 100 % sure if they are. I also read something called a Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C Sec. 1681i ( a )? I heard if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 % right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and XXXX where this lawyer said you have 30days to complete this investigation. Please investigate the following accounts and remove them if anything is missing and correct them, XXXX XXXX account # XXXX Cancel Contract. Please provide the original contract or delete -BANK XXXX XXXX XXXX account # XXXX Cancel Contract. Please provide the original contract or delete XXXX XXXX account # XXXX Cancel Contract. Please provide the original contract or delete. 

XXXX XXXX XXXX XXXX  account # XXXX Cancel Contract. Please provide the original contract or delete. 

-XXXX XXXX account # XXXX Cancel Contract. Please provide the original contract or delete. 

-Date of birth on all three credit bureaus XXXX with no month or date. Please Delete XXXX & XXXX account # XXXX Cancel Contract. Please provide the original contract or delete. 

XXXX XXXX account # XXXX Cancel Contract. Please provide the original contract or delete. 

-XXXX account # ( no account number available ) Cancel ContracXXXX. Please provide the original contract or delete. 

XXXX XXXX account # ( no account number available ) Cancel Contract. Please provide the original contract or delete. 

-XXXX XXXX account # XXXX ( Has NO LATE PAYMENTS ) Please Correct I demand the following accounts be verified or removed immediately. I also read where I can get the updated report after you investigate this form, the XXXX XXXXXXXXXXXX XXXX said. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area.

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 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Transunion is reporting inaccurate, incomplete and fraudulent credit information on my personal credit report. The following inquiries do not belong to me and I never applied for the credit or these inquiries made in error : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

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 2021-08-23
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been paying on a debt that i thought was XXXX XXXX  only. when i questioned the debt collector company they told me the debt is for discover and an auto loan. I've never purchased a car nor have I ever signed or given authorization for my name to be used to purchase a car. In between XXXX & XXXX my purse was stolen with all my identification & credit cards. I made a police report back then police say that report is not in their computer system. I went to the DMV for them to print up any Titles that were ever issued in my name. They told me I have to give the vehicle vend number of the car that I never purchased and the only Title they show in their system for me is what I'm driving now which is a XXXX XXXX with almost XXXX XXXX miles on it and it was a gift to me. Please help this old lady fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was incarcerated from XX/XX/XXXX until XXXX of XXXX. Some time in XXXX, someone stole my identity and got many credit cards. They used up the cards and never paid. I was unaware of this until I was released in XXXX. I have contacted them MANY times, and the debt gets removed and then sold to another collection agency. I have sent them my incarceration proof, police report, and identifying documents so that they know it is me. I never receive anything back. I have attached files showing some of the letters I sent to them and also proof of my incarceration and a copy of the police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX, and I am writing to bring to your attention a matter of utmost importance concerning identity theft and the actions ( or lack thereof ) taken by American Express in response to this incident. I kindly request your assistance in resolving this issue as it has had a significant and adverse impact on my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021. I went online to pay towards my Synchrony Amazon Store Card and discovered that the bank closed my account. I called the toll free number listed on the site and asked why was my account closed? The Rep. mentioned that they have an automated system that automatically closes accounts with missed payments, NSF Fund checks, etc. 
A couple weeks before above date. On XX/XX/2021, my bank had a hard time locating my account because of potential fraud. They temporarily blocked my account activity for further investigation. That incident caused 2 balances I made on my Amazon account to not go through. Although, I immediately paid to cover those amounts. Never a late or missed payment. Even paid sometimes TWICE a month. I feel like I was penalized due to a glitch that was not my fault.

I asked to speak to a Supervisor and XXXX ID # XXXX came to the phone. He looked over my account and acknowledged that I had been a customer who's had an account for over 8+ years. Paid on time and assured me that he wouldn't report the Closed Account to the Credit Bureaus. He knew that I was in the middle of financing my home and needed my Fico Score to be good standing in order to move forward. 
XX/XX/2021. I received emails from XXXX and XXXX XXXX letting me know that an Alert was added for a Closed Account that was reported by Synchrony Bank. 
These people are dishonest and don't care about ruining their customers credit for no good reason. My account had an unpaid balance of {$4900.00} that I was paying on. Although, the Interest Fees are very high. Never missed a payment and now my Utilization Percentage is going to compromise my score. 
What Synchrony could have done was allow me to pay off the credit card without reporting it as closed so that I could have kept my scores up. I do not want to re-open my account but at least have the chance to continue payment without ruining my credit. It would be fair if they could reverse the report from the credit bureaus to allow me to do.

I had another card with Synchrony for The XXXX XXXX. They also closed that account for no reason. I had paid it off in full ( {$3500.00} XXXX but they could've reported that to XXXX  as a card that had good standing which would have boosted my credit score.

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 2023-09-12
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, XXXX XXXX, 1970, 84 Stat. 1128. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: GOLDMAN SACHS BANK USA
State: CA
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:
My account was transferred from XXXX XXXX XXXX to Goldman Sachs Marcus GM in XX/XX/2022. I had an outstanding balance and on XX/XX/2022 I paid off the balance of {$4800.00} by cashing in a life insurance policy. Goldman Sachs GM sent me an email stating I owed a one time payment of {$46.00} in interest on a cash advance. I asked when was the cash advance and they couldn't tell me. They stated the interest was " floating or transient '' charges. Previous to that they gave me a {$50.00} gift but added it to my regular payment of {$140.00} bringing it up to {$190.00} so they decided the way I was to use the credit. I requested my account and card be closed and it was not honored because I was then charged {$0.00} for a balance of the interest payment due. I paid the {$0.00} on XX/XX/2022 because after speaking with a GS manager we knew that any balance left on my " closed '' account would accrue interest. Now GS sends an email on my closed account " Your My GM Rewards Card statement for XX/XX/XXXX - XX/XX/2022 is now available. This statement includes an important notice to your account terms ''. I am being informed that GS owes me {$0.00} after I was informed to pay or else. I am now being harassed by this fraud bank and I called XXXX to inform them I paid them {$0.00}, cancelled my account and I want nothing to do with them. The customer service person stated she forward the issue up the chain of management that I am refusing to take back {$0.00} in a reversal of what I owed them. This is loop of deceit ran by Goldman Sachs GM where I pay the interest off of unknown charges, they create a scenario by forgiving an interest amount that will keep me owing interest on interest. Please help me. 
.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
When I checked my credit report there were accounts appearing that I am not aware with a came from. I have been sending out disputes and demanding verification on these accounts, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX. I wanted these items deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: MO
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 submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again 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 2022-04-22
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

( Pub. XXXX XXXX, title VI, XXXX, as added Pub. XXXX XXXX, title VI, XXXX, XXXX XXXX, 1970, XXXX XXXX. XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Colony Brands, 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 information incorrect

Complaint:
THIS COMPANY HAD CHARGED -OFF ONE OF MY ACCOUNTS BUT FAILED TO SEND ME A 1099-C FORM. ONCE THIS COMPANY LISTED THIS ACCOUNT AS A CHARGE OFF, THEY FAILED TO PROVIDE ME WITH A 1099-C FORM. THE FLORIDA STATUTE OF LIMITATION ON THIS DEBT IS 4 YEARS STARTING FROM THE DATE OF MY LAST PAYMENT. THIS COMPANY NOT ONLY CONTINUED COLLECTING ON AN INVALID DEBT BUT SOLD THIS INVALID DEBT TO NUMEROUS CLLECTION AGENCIES WELL PAST THE STATUTE OF LIMITATION FOR COLLECTING ON THIS DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was contacted multiple times throughut the day and when i had a moment to answer the guy on the other end was very rude and called me stupid because i said i couldnt pay the debt he then called me stupid because i didnt recognize the debt and he again called me stupid and stated that they bought the debt and could collect even though i explained my situation. That i was unable to pay any debts as my significant other is suffering from a mental disorder and that it took precedence over paying. also they went around me when i didnt respond the first few times and called my mother and sister whom do not live with me.

Company response to consumer: Closed with explanation