BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-29
Company: American First Finance, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX, I purchased a bed from Amercan First Finance in the amount of XXXX. I have paid each month on time since, I received an extension for my last payment to be deducted for XXXX XXXX. I was informed by a represenative that since i did not make the final payment on XXXX XXXX, that i would incur another amount for XXXX. They explained to me that it is in my contract, I was never told verbally that this would be the case, or the was the date to make that last payment. I called today thinking this was be my last payment. I refused to make a payment with this new stipulation that they are verbally informing me about now. I do not want this to become an issue with my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-26
Company: EQUIFAX, INC.
State: NV
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 are not my accounts, addresses, names and did not authorize companies to run my credit. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Payment on my American Express card was due Sunday, XX/XX/XXXX. In error, I scheduled payment for the full balance for Monday, XX/XX/XXXX, resulting in an interest-on-purchase charge of {$250.00} and a late fee of {$29.00}. Amex agreed to waive the late fee and credit back {$100.00} in interest as an accommodation but would not waive the full amount of interest. 

This is an outrageous business practice that the Bureau should address by amending Part 1026.10 to require card issuers to consider a payment received on a Monday as made on time when the payment due date falls on a Sunday.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: CITIBANK, N.A.
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 status incorrect

Complaint:
I assume due in part to the Covid-19 Epidemic, Citibank has closed my Citi " Thank you '' Master Card and Citi " Costco '' Visa credit card. They are not willing to assist with deferments and are also reporting the month of XX/XX/2020 as being late. 

I called on XX/XX/XXXX and was informed they would investigate. They sent a letter stating that simply they are not able to correct or open my credit card accounts after closing them. They said they would not offer me any assistance because the accounts were closed status. They would not open the accounts, and would not give me good reason, yet they also said I should request such matters through a credit reporting agency, as in XXXX. 

Today I check the status of my credit card on my CBR and called Citibank regarding my Card # XXXX. Citibank informed me that they were not willing to assist with reporting flags as related to the natural disaster as they were not the credit reporting bureau. It has been a circular push from Citibank to send me to the CBR and the CBR is saying they simply reflect what Citibank is informing them. 

As the world continues to cope with the impacts of the COVID-19 crisis, government officials throughout the U.S. have taken important steps to curb the spread of the virus. At the same time, many businesses, financial institutions and government entities are stepping up to provide some relief to those who are worried about their financial security. However Citibank is not. 

Lenders that report data to credit bureaus as required by the Coronavirus Aid, Relief and Economic Security ( CARES ) Act will not cause consumer credit scores to go down. XXXX  supports the CARES Act and is urging all consumers who are in financial distress as a result of COVID-19 to  contact their lenders and reach an accommodation. Citibank does not accommodate even during a global Pandemic.

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 2023-05-29
Company: Georgia Student Finance Authority
State: GA
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 letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
My XXXX XXXX XXXX Credit Card # : XXXX is lost/stolen, and all the charges on the account are fraudulent and unauthorized charges/transactions.

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 2021-11-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: American Student Assistance
State: MA
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 disputed the date and amount that was stated on my credit report by XXXX XXXX. I asked that the date and amount be invested because it showed an open date of XX/XX/XXXX. They claimed to have investigated the amount and change the balance to XXXX, but they left it on my credit report. Yesterday I checked my credit report, and it dropped from XXXX to XXXX. I can only assume XXXX XXXX  is now American Student Assistant and they are falsely reporting the amount and dates. It states I opened the account in XX/XX/XXXX. I never applied or signed a promissory note for any loan in XX/XX/XXXX. I tried calling the number on the report but it's out of order.

I never received any documents from the credit bureaus on the results of their findings regarding the investigation, but this information is inaccurate. I would like to be provided with the original documents as proof, but the bureaus have not provided me any information. They ruined my credit by reporting false information.

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 2023-07-24
Company: Experian Information Solutions 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:
My rights are really being violated. I disputed a collection acount on my report about its inaccuracy and Experian claim its accurate. I sent them proof of the bill and they have failed to properly investigate. The FCRA says my report must be 100 % accurate. XXXX XXXX has removed the account from my report after their investigation. I thought the credit agencies had the same laws and rules.

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 2020-06-12
Company: Comerica
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I paid XXXX XXXX XXXX XXXX XXXX {$200.00} through XXXX on XX/XX/2020 to prepare a civil complaint to be filed in the XXXX XXXX XXXX XXXX XXXX XXXX in Pennsylvania. The contact person, " XXXX XXXX '', did not fulfill the service which he was hired for and I had to prepare and file the complaint on my own. XXXX XXXX would not refund my {$200.00}. I contacted both XXXX and Direct Express to make formal complaints. On XX/XX/2020, I emailed Direct Express telling them that I disputed the transaction. They never replied back. On XX/XX/2020, I realized the company put a hold on my account and I was unable to make any purchases. Being that this is my only means of income and making payments, I emailed Direct Express asking that they release the hold. On the same day, I sent a follow up email to Direct Express explaining that the transaction dispute was due to XXXX XXXX XXXX XXXX XXXX not fulfilling their contractual duty. I never heard back from Direct Express though they did release the hold. On XX/XX/2020, I sent a letter to Direct Express via regular mail with a detailed explanation of the transaction dispute with XXXX XXXX XXXX XXXX XXXX. Direct Express never replied. On XX/XX/2020, I sent a letter to Direct Express via regular mail explaining that XXXX will not issue a refund and that per their request, I need to follow through with asking for a refund through the card company. Direct Express never replied. On XX/XX/2020, I sent a letter to Direct Express via regular mail with an attachment correspondence from XXXX. They never replied. On XX/XX/2020, I emailed Direct Express for a status update. In that email, I made it known that I tried calling Direct Express ' customer service at XXXX but the automated recording asked for a " service record number ''. I was never issued a " service record number '' and still Direct Express never replied. I switched my attention to XXXX and filed a formal complaint against them through the CFPB website. XXXX stands firm that they are not responsible for issuing a refund since XXXX is just a payment processor tool and it's up to the merchant to send a refund and when the merchant ( XXXX XXXX XXXX XXXX XXXX ) doesn't comply, then the person making the complaint needs to file a dispute with the card company where the payment was made. I have made multiple attempts to get my refund through both XXXX and Direct Express. The difference is that XXXX had the decency to reply each time I contacted them ; Direct Express has NOT REPLIED ONCE WHATSOEVER. If Direct Express is the source for me to get a chargeback of {$200.00}, then they need to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: SCA Collections, Inc.
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:
sca collection XXXX inXX/XX/2012 is trying to collect a debt from me I don't know where this came from ive disputed this debt serval times and I need this to be resolved. ive sent forms to the credit agencies and they haven't giving me proof that this is mine please help me with the issues. 



I also have an inquiry that was issued on me called XXXX   an inquiry that I did not authorize. I don't even know where that inquiry came from. can you help me figure these out and remove from my account,

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 2020-06-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
hi, i made 2 mortgage payments on XX/XX/2020 at local branch of 5th/3rd bank i have had the same problem at this branch 5-6 years ago. i paid with 2 separate checks and submitted 2 separate monthly statements. ( accts # XXXX and XXXX ) the one acct was credited twice and the other acct shows a missed payment!!!! i went to branch and the clerk the made the mistake said he couldn't do anything but would send the info off to who knows where.anyway 3 weeks later i am getting collection calls and i got some email alert about my credit score NO FOLLOW UP, NO SORRY FOR MIX UP, LATE FEES YOU BET WHAT A bank i hope to here from cfpb. what we need is a bigger and stronger CFPB not smaller thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: Riverwalk Financial Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint is regarding XXXX XXXX XXXX claims I have a charged off, closed account in the amount of {$13000.00} that was apparently opened XX/XX/2018. I am writing to advise you that XXXX XXXX XXXX is in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E. which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. After researching XXXX XXXX XXXX on the Texas Secretary of State debt collector website I have found that XXXX XXXX XXXX  is not bonded in the state of Texas. I am requesting XXXX XXXX XXXX immediately delete this entry with all credit reporting agencies they are reporting this entry to due to being in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E.

The TEXAS DEBT COLLECTION ACT ( TDCA ) defines a debt collector as any person who directly or indirectly engages in debt collection and further applies to creditors attempting to collect their own debts. TEX. FIN. CODE 392.001 ( 3 ). Furthermore, Sec. 392.301 ( a ) ( 4 ) of the TEX. FIN. CODE prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the consumer debt or would be subject to illegal collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Affirm Holdings, Inc
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
After over 9 months of trying to locate a way to view my bill for my Synchrony Bank issued XXXX XXXX, I have had no success. I have talked to over 7 different representatives who claimed they would fix this, which was never resolved. The company sends emails and texts saying that it will allow you to link the card to your XXXX account, however after 6 months of research I discovered that XXXX actually has NO association with this card or bank, and the card can not be added. Each time I made a complaint they resend the same text messages and emails which provided ZERO results. I have been lied to, lead on, and am having to pay a credit card bill which I have NOT ONCE seen an actual bill for. I had ordered a product many months ago which I never received, I was unable to provide a receipt for this purchase due to the fraudulent company and therefore had to forfeit the product which I paid for. This is absolutely ridiculous and after nearly a year I don't know where else to turn.

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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 XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 2023-05-29
Company: World Acceptance Corporation
State: GA
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 letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
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:
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 XXXX XXXX XXXX. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXXXXXX  Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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