BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: AZ
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:
In accordance with the Fair Credit Reporting act XXXX Account Numbers # XXXX XXXX # XXXX, Amount : {$6100.00} XXXX, Action : I Filed dispute, & returned their possessions XXXX XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX, Action : I Filed dispute, & returned their possessions XXXXXXXX/Dept of ED # XXXX Amount : {$2000.00} XXXX, Action : I contacted them* XXXX XXXX # XXXX Amount : {$560.00} XXXX, Action : Closed account returned device. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
15 U.S. 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.

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 15 U.S Code 1681b 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 I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2022-10-26
Company: Synovus Bank
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
First Progress credit card company of XXXX XXXX, XXXX XXXX. Has denied my request for billing Statements for my secured credit card Acct. An any financial correspondence sent to my billing Address. That request was denied which leads up to my inability to dispute or to lodge legitimate disputes based on Written financial correspondence. My acct was Closed for over a year FIRST PROGRESS never notified me of Acct closure. Nor will they provide me with any letters that they sent notifying me of My ACCT CLOSURE. On or around the XXXX XX/XX/2022, I tried to close my acct which was already closed! So I could get my security deposit back.Customer service agent said it would be a few weeks before refund check would arrive.On XX/XX/2022 I received a FIRST PROGRESS CREDIT CARD in the mail. Called to find out why they sent me a card? They said I requested My Acct to be opened! But As I stated I asked them to CLOSE the acct. Now they refuse to provide me with any correspondence where I asked for them to open my Acct.. Furthermore they want provide no correspondence on any activity on my acct by me or FIRST PROGRESS.. They refuse to show me where I said open up my CLOSED ACCT. They Also deny not knowing what CUSTOMER SERVICE REP MADE CHANGES OR VIEWED MY ACCT ON or around THE XXXX XX/XX/2022. Someone opened up my Acct without my Approval. Now they wont EXPEDITE my refund after my acct has been closed for over a year without any correspondence from First Progress on said matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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, this creditor has violated my rights. Under 15 USC 1681 Section 602 it states I have the right to privacy, 15 USC 1681Section 604 A, Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a credit agency may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2021-05-06
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:
Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2018-09-15
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I had sent money to two people XX/XX/2018 XXXX XXXX Complete XXXXUSD Tracking # ( XXXX ) : XXXX XXXX XXXX Show details Edit & resend XX/XX/2018 XXXX XXXX Complete XXXXUSD Tracking # ( XXXX  ) : XXXX XXXX XXXX Show details Edit & resend XX/XX/2018 XXXX XXXX XXXX Complete XXXXUSD Tracking # ( XXXX  ) : XXXX XXXX XXXX Show details Edit & resend I had told them that it was fraud, every time I call them I get a foreign person asking me for the XXXX numbers not case numbers this was for loan fraud, I am disputing this matter, I want my money back they have not made a resolution, so I need to complain hank you for contacting Western Union. 


We'll attempt to contact you within 24 hours using the contact information that you have provided to us. 


For your records, your Case # is : XXXX Please note this is an automated response. We ask that you not respond to this email. 
You may also call us directly at XXXX, so a customer support representative can help you. 



Thank you, Western Union Customer Care www.westernunion.com This is the email I keep getting from them, it was fraud, how can you open accounts when you are illegal then use it for scam or fraud to receive money and nothing is done, what part do they not understand, again I had XXXX and are not in the mood for this, I want my money back refunded for fraud, and the person keeps asking me for more for loan transfer I am not falling victim I am not stupid, I do not feel good to go through this XXXX, again I have contacted the number they gave me and they keep asking me for same information over and over again, this is for corporate office, I want a resolution refund back, please advise I am really upset that this is happening. I am not loosing my money I work hard for, got me behind in bills, because of this scam XXXX and and a foreign person on the other end can not help me with my case number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: I.C. System, Inc.
State: CA
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 company has refused to address me through the XXXX website and yet chose to contact me outside of this complaint and send me verification which I never asked for. Further communication from this company after I demanded them to cease and desist all communication with me is a direct violation of the FDCPA. After deleting this account from my consumer report, IC Systems reinserted this negative account back onto my consumer report without notifying me within XXXX  days. I reaffirm that I do not owe this company any money and I refuse to pay any alleged debt. They have violated my cease and desist by sending me further information in the mail. IC Systems is using extortionate means to collect on an extension of credit that is not due to them which is punishable by jail time. Also stating that I am indebted to them for this account is a false claim and subject to criminal and civil liability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received a " pre-legal '' notification in the mail from Midland Credit Management attempting to collect a debt dated XX/XX/2019. This letter advised that I needed to provide a response by XX/XX/2019. 

My concern is that I am being threatening with forwarding my account to an attorney but I don't have any idea who Midland Credit Management is. I've never applied for an account with this company, they have never extended credit to me and I've never agreed to do business with this company. 

This is the first correspondence that I have EVER received from them. Their documentation doesn't tell me anything about how they obtained my personal information or why they are contacting me.

After googling the company it appears that they are a debt collector but the documentation that they have sent to me doesn't indicate that they are attempting to collect a debt nor did they advise my right to dispute or request validation of the debt. They stated that they've sent a previous letter to me but I have NO RECORD of ever receiving anything from them.

I would like to file a complaint against this company for violation of the Fair Debt Collection Practices Act. If this company is reporting any derogoratory information on my credit report I would like it immediately removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for a personal loan online and was approved for XXXX $ Unsecured and XXXX secured after submitting documentation I was told that I was approved for XXXX unsecured and XXXX secured. On XX/XX/XXXX I went into the office to get the loan and was told all I would need is my ID and voided check after I got there a lady came into the room and was trying to pressure me to get the secured loan I advised her that I did not want it and explained I would do the unsecured loan she then made me go to the bank to get my bank statement so she could come firm that I had direct deposit which my paystubs showed. When I came back the door was locked and she explained it was broke and that I could slide my bank statement through the door and the next day for the inconvenience I would be able to esign my loan. Well the next day I called and the lady said my loan was denied so to income, but when I was there she said she sent the loan to the under writer who declined the XXXX unsecured but approved XXXX unsecured. I called there headquarters office because I was confused but got the run around I met all the qualifications was told I was approved but when I got there and didnt want the secured then I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: AE
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 have been reported as 60 days late on one reporting bureau and 30 days on another. 15 USC code 1681i, Inaccurate or Unverifiable Information must be deleted. Also, in accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC Code 1666b, a creditor may not treat a payment under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted MBA Law in regards to this collection they are reporting to my credit report. I sent the original debt validation letter on XX/XX/2022. This debt doesn't belong to me please see the attached FTC report and also the original letter sent XX/XX/2022 Please remove this account from my credit report XXXX and XXXX Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: Consumer Portfolio Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I hate this! I already spent a lot of months sending disputes and filing complaint but I don't see any results from my disputes. This is really hurting me and giving stress to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: CA
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:
I applied for membership at the XXXX XXXX  XXXX XXXX XXXX and on there website it states they would run a credit check for Identification purposes only ( Soft Inquiry ) but they ran a full inquiry with Experian Credit Bureau which I now have a Hard inquiry on my credit report, I contacted both the Credit Union & Experian to dispute the inquiry because I didn't authorize it.

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 2023-03-09
Company: EQUIFAX, INC.
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX XXXX XXXX Balance : {$34000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$42000.00} ; ATTYGENERLXXXXXXXX Balance : {$42000.00} ; ATTYGENERL XXXXXXXX Balance : {$34000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
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:
XXXX XXXX XXXX Date of a Collection XX/XX/XXXX Original Debt Collection-XXXX XXXX  I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgage Services has employed accounting practices that maximize the interest accrued on my mortgage rather than paying down my principal. I intentionally pay extra every month in order to minimize the interest I am paying, but Carrington 's policies and practices will not allow this by default. 

This mortgage was originated in XX/XX/XXXX and has always been current and in good standing. 

Details : Carrington Mortgage Services purchased my mortgage from XXXX on XX/XX/XXXX. Since then I have made 3 payments of {$3000.00} each on XX/XX/XXXX ( due XX/XX/XXXX ), XX/XX/XXXX ( due XXXX   XXXX ), and XXXX XXXX ( due XX/XX/XXXX ). Each of the {$3000.00} payments sent to Carrington included ~ {$1100.00} excess funds which should have been applied to my principal when each of the payments were received.

However, Carrington did not apply the funds as expected. 
( 1 ) for the XX/XX/XXXX payment, Carrington applied the funds as expected with excess payments being applied to principal. However, this payment was reversed and reapplied on XX/XX/XXXX with the excess payment ( {$1100.00} ) being swept into " unapplied funds ''. Carrington only applied the MINIMUM payment to my principal for the bill due XX/XX/XXXX. 
( 2 ) for the XX/XX/XXXX payment, Carrington also only applied the MINIMUM payment to my principal for the bill due XX/XX/XXXX. The excess payment ( ~ {$1100.00} ) was swept into " unapplied funds ''. OnXX/XX/XXXX, the balance in " unapplied funds '' was then used to pay the mortgage bill due XX/XX/XXXX. Again, the MINIMUM payment to principal was made. 
( 3 ) for the XX/XX/XXXXpayment, Carrington swept the entire payment to " unapplied funds ''.

Under my former lender, my principal decreased by ~ {$1200.00} per month but under Carringto
n they are only allowing my principal to decrease by {$450.00} per month. 

I have called Carrington weekly to try and understand the situation. Carrington has been able to explain their practices, which are the root cause of this problem. The only solution that Carrington has to offer is to watch the account and then call them if I do not agree with how they have applied my payments. 

It is clear that Carrington is applying my payments in a manner to maximize the interest accruing on the account while leaving my extra payments in a non-interest-bearing " unapplied funds '' sub-account. Basically, I get no value from sending extra principal payments and they get all reward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-08-23
Company: Siggi LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Today, I got a message from my dad that XXXX XXXX, an employee at Omni Financial, was trying to contact me from an Alabama number today, XXXX XX/XX/2023. I call back at XXXX EST and reach her. She said she called my references because I was 23 days past due. I explained not to do that because my father is XXXX and will worry. And also explained that I am going through a hardship but will pay on the XXXX. She states that the company had been directed to call several times and I told her thats against debt collection practices you cant even call 7 times in a 7 day period she starts cussing at me saying all types of curse words at me I yell at her back like what is happening I cant believe this?! She then hangs up on me. I call back to leave a message for her supervisor. This is unacceptable and unsatisfactory for buisness practice to treat members of the military or anyone for that matter hardship or not this way. It is unprofessional it is disgusting and I am not even 30 days past due as of today. Something needs to be done asap.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
In accordance with the Fair Credit Reporting act XXXX Account Numbers # XXXX XXXX # XXXX, Amount : {$6100.00} XXXX, Action : I Filed dispute, & returned their possessions XXXX XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX, Action : I Filed dispute, & returned their possessions XXXX/Dept of ED # XXXX Amount : {$2000.00} XXXX, Action : I contacted them* XXXX XXXX # XXXX Amount : {$560.00} XXXX, Action : Closed account returned device. 
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

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