BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experian and XXXX are in violation of The Fair Credit Reporting Act ( FCRA ) my credit report has account that have been reappeared after being previously removed, making me a victim of an improper reinsertion of credit data. I understand that The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report. The credit bureaus can not reinsert this information unless they receive a certification from the data furnisher ( XXXX ) that the information is correct and then provides notice to the consumer that the information will be reinserted. This never happens.. I understand that : If the credit bureau reinserts without that certification or if the data furnisher lies in that certification, that it will a fraud XXXX has continued to very to XXXX and Experian that the account has a {$100000.00} balance even though Recent payment was {$100000.00} as of XX/XX/XXXX. And XXXX record shows {$0.00}. balance. 
Report XXXX Date Generated XX/XX/XXXX Before After XXXX XXXX XXXX ________________________________________ Your information XXXX have changed since XX/XX/XXXX View your current credit report Account info Account name XXXX XXXX XXXX Account XXXX Account type Education Responsibility Individual Date XXXX Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Balance updated- Recent payment {$100000.00} as of XX/XX/XXXX Monthly payment- Original balance {$100000.00} Highest balance Current / Terms met XXXX Closed Reappeared aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX paid off Balance {$100000.00} Balance updated XX/XX/XXXX Original balance {$100000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education

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: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In review of my XXXX credit report on XX/XX/2023, I noticed a " collection '' account being reported by a company by the name of Synerprise. I do not know who this company is and why they have placed a collection on my credit file. I'm requesting that they " Validate '' this debt by providing me with the following : * Provide me with a copy of my HIPPA release from the medical creditor that releases my medical information to you, therefore by providing such information they are in violation of my HIPPA rights. 

* Contract : provide me with a contract agreement between SYNERPRISE and XXXX XXXX, bearing my signature agreeing to any extension of credit, etc. * Delinquency : the first date of delinquency in accordance with FCRA sec 623 ( a ) ( 5 ) ( a ) ( b ). 

* Original documents to show details of charges A summary of all account activities, including all payments made, late charges, interest, dates of payments received, date of payments posted, charges made and date of charges posted. 

Please do not provide me with a " Verification '' of debt, but Validation within the guidelines of the Fair Debt Collection Practice Act 15 USC 1692g ( a ) ( 1-5 ) ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: Pioneer Capital Solutions Inc
State: VA
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:
XXXX XXXX XXXX - Says its in collections for {$2900.00}. With XXXX  XXXX XXXX XXXX - Same thing - With XXXX  XXXX XXXX {$890.00} Says it is in Collections With XXXX  Pioneer Capitol Sol -  {$99.00} Says it is in Collections With XXXX These accouts are definitely not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received an email from XXXX XXXX XXXX Mortgage on XX/XX/XXXX that my home mortgage loan was being transferred to Specialized Loan Servicing. XXXX claimed that the XX/XX/XXXX email was a follow-up email, but I did not receive any info about the loan transfer previously from them, nor have I received any info since that time. XXXX provided the name of the company where the loan was transferred, Specialized Loan Servicing, and a phone number to reach them. Although I've made numerous phone calls to SLS, each time I was put on hold indefinitely and I have still not been able to reach anyone there. There is no email address to contact them. The SLS website states that they could be contacted through XXXX and XXXX. When I clicked each of those options, it took me to " XXXX. '' I contacted XXXX on both XXXX and XXXX  and was told an agent would contact me, but I have not been contacted by any of their agents. I have received no correspondence at all from Specialized Loan Servicing or XXXX with any information about my loan transfer or how to make a payment. I tried to make a payment on the SLS website but was unable to do so because they have not provided me with an account number. As XXXX stopped accepting payment on XXXX, I am unable to make a payment on the XXXX website. My payment was due XX/XX/XXXX and it is now XX/XX/XXXX but I still haven't heard from Specialized Loan Servicing and I am still unable to make a mortgage payment. I'm wondering if they are intentionally not contacting customers so they can tack on a late fee and claim the payment was not received. This is absolutely ridiculous and unacceptable. I shouldn't have to reach out to SLS on XXXX and XXXX because there is no other way to reach them. I also shouldn't have to file a complaint with CFPB to get this issue addressed.

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 2023-09-21
Company: Experian Information Solutions Inc.
State: AZ
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 kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

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 2023-03-11
Company: Experian Information Solutions Inc.
State: MD
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 XX/XX/2023 I sent Experian a letter attempting to validated 3 collections accounts : XXXX XXXX XXXX {$1500.00}, XXXX XXXX XXXX {$570.00} and XXXX XXXX  XXXX {$2800.00} and one real estate closed account from XXXX XXXX XXXX {$9400.00}. I let them know this was not mine debt and asked for the original documentation with my signature i.e. the original contract to verify this debt. Today XX/XX/2023 I was notified they have validated the debt yet they have not furnished the proof I requested. I also sent identifying documents to confirm my identity.

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 2020-03-20
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: Public record information inaccurate

Complaint:
I need to know by which methods they used to verify that that was my bankruptcy? If they used a 3rd party to " verify '' the erroneous bankruptcy, which 3rd party company was it i.e. XXXX. 

If they used XXXX, as the lettet from XXXX stated, " They couldn't very that the bankruptcy belonged to me, so we removed it '' Also the credit bureaus saying " We verified it was your bankruptcy ... because we said so '', isn't proof. 

Until the 3 credit bureaus provide attachments in response of either a certified letter from the bankruptcy clerk or a letter from a 3rd party i.e. XXXX, then you have no credibility. 

I provided my proof via XXXX attachment to the complaint, where is your attachment credit bureau? 

The only way for this credit bureau to be lawful, CFPB, is to threaten them with fines! 

The fact that despite XXXX removed the bankruptcy because they could verify beyond the shadow of doubt, and the credit bureaus still refuse to do so, is because they do not care about the integrity and accuracy of my credit report, and they also do so because they make a profit over my erroneously low credit score!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I requested car down payment to be refunded from First Horizon Bank on XX/XX/2021 due to had been sold a lemon by XXXX XXXX. I was denied due time 60 day time frame that bank gives. I purchased car on XX/XX/2021 with {$8500.00} down payment using debit card as credit card sale. I have already requested refund from XXXX XXXX with no response. The car has a bad pcm which dealership supposedly fixed that was not disclosed and the air compressor has been replaced which both are not still functioning as they should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
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: Information belongs to someone else

Complaint:
This is one of my numerous 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 and XXXX XXXX XXXX XXXX Please delete these accounts ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-20
Company: Lending Club Corp
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have currently been on hold for 1.5 hours trying to pay my bill. I spent the first hour on hold then when someone did answer they said they could not help me but harassed me about contact information for my account which has a Do Not Contact on it which the company continues to violate with mail and emails. I spoke with a supervisor who only just transferred me to another department. Still on hold as I write this. A more convenient way to pay my bill is all I am asking. The customer service reps are rude and the hold times are long.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Avant Holding Company, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I received a loan from Avant. I started payments on XX/XX/XXXX. The contract was for 36 payments of {$200.00}. In XXXX of XXXX I received an email offering assistance due to the Pnademic, offerring to postpone 3 payments to the end of the loan. Because I was not working at the time, I accepted the offer. I have already made 35 payments of the 36, the next schedule payment is for XX/XX/XXXX XXXX which I thought it was going to be the last payment. I checked the account to make sure it was correct, but I see a balance of {$740.00} on the account. When I called, I was told that this was because of interest on the deferred payments. This was never disclosed to me when the deferrement was offered. I did not know they were going to charge me over {$500.00} in interest for what they offered. When I called, I asked to speak to a supervisor, and was told one was not available to speak to me. I explained to the gentleman I spoke to that the payment for XX/XX/XXXX should be 36th payment on my account according to my 36 month contract, and he stated I have to pay the rest to satisfy the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off my XXXX XXXXXXXX XXXX XXXX in full on XX/XX/21 in the amount of {$1700.00} and never made any more purchases after that. Now theres something in collections for $ XXXX regarding this credit card. This is NOT a valid debt and the collection company and credit card company refuses to drop it. I filed disputes with all the credit reporting agencies and they contest its a valid debt. I did NOT make anymore purchases after I paid it off. Please provide PROOF in the form of security video that I was the person that made these purchases. I did not make any more purchases after I made that payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I contacted Bank Of America online support because i noticed my savings account did not show the interest rate on the web page. I spoke withe the person on XXXX and they said the account was a checking account. I stated I had a savings account not a checking account. He said it was made into a Checking account in XXXX i stated i never authorized this change. I have been charge {$12.00} a month for this account. I used it as a over draft protection and interest bearing. I set the account up 20+ years ago to have interest and any round up per charge deposited into the account. It has been getting the deposits from the round up charged on my regular checking account like it should but i have been charged a monthly fee and no interest unlike what i signed up for. I requested a fee refund and lost interest. they submitted a complaint but they should not be allowed to change my account without my permission.

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 discovered that three accounts had been opened in my name on my credit report by a company called XXXX XXXX XXXX XXXX XXXX and XXXX. These accounts were opened without my knowledge or consent, and I did not permit them to open XXXXXXXX XXXX credit card in my name. During a timeshare presentation I attended, they requested a soft pull to see my membership options. However, I later discovered that they had performed three hard pulls on my credit report, and to my surprise, I received XXXXXXXX XXXX  credit card in the mail after returning home. When I tried to cancel it through XXXX, they refused, and XXXX also refused when I reached out to them. This is a deceptive business practice, and they have used my credit information to open an account without my authorization, knowledge, or consent. Before attending the timeshare presentation, my credit score was XXXX. Still, now, due to the addition of these inquiries and the account to my credit, it has dropped to XXXX, making it challenging for me to move into a decent home. I want this account removed from my credit report immediately because I did not authorize it. I have already disputed the account, but the credit bureaus ignored my request for removal and my right to an investigation.

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 2022-10-19
Company: World Acceptance Corporation
State: MO
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:
On or about XX/XX/XXXX I checked my credit wise credit monitoring and found World Acceptance is frivolously reporting innacurate info on my credit report with XXXX saying I have a charge off/ delinquent account when I settled this account in civil litigation in XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX XXXX filed a XXXX satisfaction of judgement '' on this and told me it would not be on my credit report as part of the settlement! This is frivolous on XXXX XXXX part for reporting innacurate info and hurting my credit on a settled acct I may seek legal damages via lawsuit for my time spent and labor of my own investigation and calls made I'll never get back!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: U.S. BANCORP
State: OH
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:
I paid the annual fee on my credit card on XX/XX/2020. A little over a month later the bamnk decided it was going to close my card with no reason given. The account has remained in good standing with no negatives, nor has any negative information appeared on my credit reports. I would like my annual fee back. I contacted the bank asking for a refund for the annual fee and they mailed a letter declining my request

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 2020-03-20
Company: ONEMAIN FINANCE CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX ran a hard inquiry on my credit without my consent on XX/XX/2020 I called them to ask them why did they run a credit check on me they said they cant give me that information. I asked them if the can remove it being that I didn't authorize it and they said they don't remove inquiries, they told me to contact the credit bureaus and dispute it. XXXX  told me to file a report with identitytheft.gov. 

One Main Financial ran a hard inquiry on me on XX/XX/2020 without my authorization and they told me the same thing XXXX did. That they cant remove it even though i didn't authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: ONLINE Information Services, Inc.
State: AK
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pennsylvania XXXX ( XXXX ) XXXX Is unlawfully reporting information to credit bureau ( s ) ... 
I do not owe any money to their customer at anytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: Experian Information Solutions Inc.
State: PA
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 following accounts are fraudulent and must be removed! 

XXXX XXXX XXXX XXXX False Balance {$2200.00} Date XX/XX/XXXX XXXX XXXX XXXX False Balance {$950.00} Date XX/XX/XXXX XXXX XXXX XXXX False Balance {$0.00} Date XX/XX/XXXX XXXX   XXXX XXXX False Balance {$57000.00} Date XX/XX/XXXX XXXX  False Balance {$160.00} Date XX/XX/XXXX XXXX XXXX False Balance

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