BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: Alorica Inc.
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I took out a loan with XXXX  XXXX in which was given to a company called Systems and Services Technologies , Inc. I was terminated from my job positions after the loan was approved, I was unable to pay my payment for the loan among other expenses, I was evicted from my home and lost my car along with being denied unemployed benefits for a previous conflict. I have no family, friends or other financial assistance, I was able to pay the loan back after settlement, the remaining balance was waived and this account is now removed from all my credit reports. I got a call from a third party collections agency called XXXX XXXX that informed me that the account was sold to them and I kindly informed them that it was already paid. They broke the contract by selling the account to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Designed Receivable Solutions, Inc.
State: CA
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 as a consumer have the right to privacy and Designed Receivable Solution has violated my right to privacy by furnishing private credit information under my name, without my written consent, or without authorization by a competent court, having jurisdiction

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date of inquiry XX/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 non-monetary relief
Consumer complaint received 2021-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
Capital One Auto XXXX checked my credit for the purchase of my vehicle back in XXXX XXXX which was a hard inquiry on my credit file, but when I checked my credit I noticed that this company has placed XXXX different inquiries on my credit file dates are as follows XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX all for the same attempt to purchase. I did not give consent for them to place XXXX hard inquiries on my credit report and by law this company is in validation of the law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: M&T BANK CORPORATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I filed Complaint XXXX against XXXX, a law firm representing M & T Bank , the lender, on a ELOC that has existed for more than 20 years. By letter dated XX/XX/2022 M & T denied our request for a loan modification but offered a repayment plan that we must answer by XX/XX/2022 together with an initial payment ( Exhibit XXXX ). 
On XXXX XXXX, we received a certified letter from XXXX, dated XX/XX/2022 that a foreclosure, at XXXX XXXX XXXX will take place on XX/XX/2022, despite the fact that we still had XXXX Week to respond to M & T 's offer ( Exhibit XXXX ). This law firm continues to harass us and act unethically. We are senior citizens and trying our best to resolve issues but letters from XXXX, foreclosure scammers and others " seeking to help us '' causes us XXXX and aggravation. In Exhibit XXXX M & T told us the amount of the repayment for the ELOC but did not say what the monthly, regular payment was. I called an M & T representative she did not know. This was followed by an M & T letter dated XX/XX/2022, and that they will get back to me with that figure ( Exhibit XXXX ). Thus I have a repayment offer without a key part in it and a foreclosure date that is illegal.

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 2023-11-07
Company: TD BANK US HOLDING COMPANY
State: HI
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Due to multiple attempts to login last month and again this month the TD Bank Target RedCard system errantly ( because it is not programmed appropriately ) forced my on time payment last month to post a day later resulting in a {$30.00} late fee which I adamantly disagree with! 
I tried to pay my bill yesterday to avoid this same issue and suffered a XXXX XXXX XXXXXXXX fiasco that resulted in me changing my password and trying to log in from at least XXXX different browsers before I was finally able to login and pay my bloated double the amount minimum monthly payment. 
The fact that this almost happened again really XXXX me off because I absolutely do not want to deal with you again about anything like this. You are the only one this terrible on issues like this. 
This issue for XXXX further proves that I am right and that I need to have that {$30.00} late fee from XXXX reversed! I PAID MY BILL AND I PAID IT ON TIME!! You absolutely should not penalize and mistreat your credit customers who are and who are trying to pay their bill!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: EQUIFAX, INC.
State: OH
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 requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Due to multiple payment issues month before last that resulted in other issues that have mostly been fixed I am requesting courtesy refund of interest charge for 1-2 months for Capital One credit card ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2019-05-08
Company: EQUIFAX, INC.
State: CO
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:
I started going to XXXX in XXXX Colorado XX/XX/2013. I took out 2 loans because my financial aid wouldn't cover it all. One loan was for {$3000.00} and the other was for XXXX. The only money I received in my hand was a check for XXXX because they said that isn't the way they do things. Now on my credit report years later I have a loan for {$5500.00} with one acct number that was issued on XX/XX/13 as a student loan, and 2 direct  loans with the same acct number for XXXX and XXXX, which include interest. Those 2 loans are probably the right loans. If you add the other 2 loans together, they add up to the same amount of the loan that I am unaware of. Please help me. This isn't right and to boot I have another new loan that is on my credit report from another school. How can the government just hand out student loans to people without verifying their identity?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX Owed : {$170.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX : {$7100.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$13000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-05
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Retail Finance Credit Services LLC falsely reported written off debt to the IRS in the amount of {$9600.00} in my name and SSN. 
The IRS is now seeking to bill me over {$2000.00} in taxes as a result. 

I have never opened an account of any kind with them, Have never been contacted by them, and no debt appears on my credit record and history. 

I have reached out to them and was told by several representatives that they had no record of any account attributed to me. I need them to contact the IRS to correct the matter but have not been able to reach anyone in their organization who will help me.

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 2023-11-11
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: Credit inquiries on your report that you don't recognize

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. 
List of the hard inquiries I want removed off my credit report by XXXXXXXX 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 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 Equifax 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 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, 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 and not recognized!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Maximus Education, LLC dba Aidvantage
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I submitted for a refund of all payment made during covid. I submitted a lump sum payment of XXXX and I've requested the entire balance paid refunded to me. I am still awaiting that refund. It took aidvantage less than a week to cash my payment check, but now it's taking them 6 or more months to give me back my refund. That's ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Amsher Collection Services, Inc.
State: OH
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:
To Whom It may concern : Ive had identity theift for years and have contacted the police and their response to me was since it is small amounts each time it was nothing that could be done but if it was a lump sum then action could be taken. I have written serveral letters to the credit bureaus asking for debt validation and orginal contracts stating what is being reported on my credit report is accurate, and it comes back as verified but I never recieve written documention showing its actually an account I have authorized. I was also a victim of the XXXX data breach in 2017 and looking at my XXXX report I also see that my personal information in being viewed on a daily basis. I will attach documents for the certified letters that Ive written also proof showing my personal information has been compromised. Ive writtent certified letters to not only the the credit bureas but the collection agenices that are incorrectly reporting on my report. Ive also done my due dillegence and have documentation showing that the listed companies are illegally trying to collect a debt are unauthorized to collect in my state of Ohio. If the attached documents are not clear please visit nmlsconsumeraccess.org. Listed below are the companies XXXX ) XXXX XXXX XXXX ) I XXXX XXXX XXXX ) XXXX XXXX  XXXX ) Amsher Collection Services XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act these accounts have 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 an account without my written instructions. 

I have also attached a copy of my ID I did not attach my SSN considering the data breach and my personal information being compromised, but if there is any other documentation that is needed from me please let me know. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: DE
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 am writing this to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges listed. I ask that the items be deleted to correct my credit report. I report this theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: Paypal Holdings, Inc
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
It is a venmo account starting XXXX XXXX. 
Accorinfing to To the FDIC you can't actually confirm my identity Which I find particularly very peculiar considering the fact that I've sent you my a number of times I think over 5 so shop with the XXXX XXXX XXXX XXXX XXXX unlock my account right now because according to the ftc there's nothing untoward unusual about my account other than the fact that you're lying to them saying that you couldn't confirm identity give me the XXXX XXXX XXXX get on it just get on it right now because I'm sick and tired of this INSANE THEYVE HAD MY OVET {$4000.00} frozen over 1000 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Capio Partners, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am unaware of this debt. I don't even know what this debt is pertaining to. This company has not sent my anything via mail, phone, or email verifying such debt. I was not made aware until it I was notified through my credit report. I would like for this debt to be removed from my credit report as I believe this debt is an error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 an unauthorized transaction for {$1600.00} at XXXX and {$650.00} at XXXX was charged to my account. The amount is fraudulent, I did not authorize the transactions. The day the activity happened I forgot my wallet at the gas station after getting gas. When I realized what I did I went back to get my wallet and when I got there my wallet was left there but my cards and ID was missing along with the little bit of cash I had in my wallet. Yes I was able to transfer money from one card to another because on the app whether I have a physical card or not your app allows us to see our card information. So I was able to do that as soon as I noticed my card was missing from my wallet. And of course it wasnt no fraud alert on my card because I instantly requested another card. I reached out to my bank and they denied my dispute. Than I sent a rebuttal letter along with a police report and they still declined my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: NRA Group, LLC
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, and I hope all is well. XX/XX/2020 letters were sent to addressed issues : While reviewing the credit profile to XXXX, the number of uncertain tradelines continues to be placed when the debt is due to repeated visits to practices within the healthcare system. Financial assistance was not offered during times of service. While receiving treatments for compromised issues, protocols are in place to ensure the debt will not accumulate. XXXX XXXX XXXX hired a third-party National Recovery Agency to report multiple items on the credit profile. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.

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 2023-08-25
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting 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:
Never had an account with XXXX XXXX or XXXX and I did not apply for any of these inquires.

Company response to consumer: Closed with non-monetary relief