BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-16
Company: AmerAssist A/R Solutions, Inc.
State: TX
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:
OFFICE OF THE ATTY GEN {$16000.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type XXXX XXXX Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$16000.00} - Payment Info Status Past due 150 days Status date XX/XX/XXXX Past due amount {$16000.00} Original loan amount - Monthly payment {$450.00} Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - 120 - - - - - - - - - - 120+ Days Late - Data Unavailable Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX XXXX TX XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account 1 collection account Total balance : {$1400.00} AMERASSIST AR SOLUTION Original creditor : XXXX XXXX {$1400.00} Balance updated XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX XXXX XXXX enter into a consumer credit transaction with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines finance charge as the sum of all charges in a consumer credit transaction. The finance charge does include cash, but XXXX XXXX XXXX XXXX took cash, The finance charge is suppose to include Insurance, but XXXX XXXX XXXX XXXX made me purchase insurance separately. 
Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that XXXX XXXXXXXX XXXX XXXX is in violation of 15 USC 1692b ( 2 ). 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692j ( a ). 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692b ( 5 ). 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit B that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692b ( 2 ). 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit B that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692f ( 6 ) ( a ). 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit B that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692d ( 2 ). 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit c that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692b ( 5 ). 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit D that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692f ( 1 ). 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit D that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692k ( a ) ( 1 ). 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit E that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692d ( 1 ). 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit D that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692d ( 1 ). 


According to 15usc 1692 I do not own any debt because I am the consumer and Im not obligated to pay. Im a administrator and agent according to 15 usc 1602 ( o ). The social security card belongs to the social security administration I have to give in back at their request so there for Im just a administrative agent. I do not own it or any debt attached to it 18 usc 8 will provide that information for you I do not own that debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: AL
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 reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report : XXXX Acct # XXXX... 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of the ability with maximum accuracy. I contacted " Experian, XXXX, and XXXX " asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: SYNCHRONY FINANCIAL
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Synchrony Bank I received a letter on XXXX XXXX, XXXX, recording my Amazon Prime account. The letter stated that I owed a {$230.00} payment. As is custom I pay all my monthly expenses the day my Social Security check hits my account. I paid Amazon {$200.00} in XXXX and left a balance of {$39.00} which would be paid in XXXX. On XX/XX/XXXX, and XX/XX/XXXX I received calls from Synchrony Bank regarding this {$39.00}. I have always made my monthly payments ahead of schedule and almost always the monthly account in full. The account balance has gone up to {$2700.00} which is higher than a month or so higher. 
I pay all my bills beforehand so as not to have anyone harassing me about payments. 
Being on Social Security doesn't mean I should be hassled. Sacrificing to make all my expenses paid before keeps my credit score in good shape. It is my hope that those who work at Synchrony will become more sensitive to those they are supposed to serve, in person, by phone, or by letter. 
Sincerely,

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 2018-09-12
Company: DISCOVER BANK
State: GA
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 have contacted Discover Card several times about this matter, Discover is reporting 30 day late on XX/XX/2017 on my credit report which is affect credit score and I have had this secured card of XXXX and the reason why was I was in hosptial and after I had spoken to a rep and the rep advised me to sign up for automatic draft of the payment every month and I have had the automatic draft of payment for a couple of years now I should have by now been graudated from a secured card to a unsecured card but Discover had not done that at all.Not happy with the Discover Card company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: MA
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 am writing to submit a formal complaint regarding inaccurate information on my credit report that I reported to Experian. Unfortunately, despite my initial contact on XX/XX/XXXX, I have not received any response from Experian regarding the disputed information. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
Below are the details of the inaccurate information and the required corrections : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00} 2. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2500.00} 3. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$9200.00} 4. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$550.00} 5. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1100.00} 6. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$690.00} 7. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1100.00} The above accounts were never late, contrary to the information on my credit report. I kindly request Experian to correct/update this inaccurate information on my credit report.

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 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
i have contacted the XXXX credit bureaus as well as XXXX XXXX XXXX challenging the factual, accurate, and compliant reporting of this account XXXX times ... .each time it comes back stating that it is verified ... .how can they be verifying this account with all of the inaccurate reporting between the XXXX bureaus? ... .i have attached a copy of the report with all of the inconsistencies circled..this account has been re aged, this account is reporting as a charge off but also reporting a past due balance that is a violation from everything im reading... .this account is reporting as a charge off but also reporting a credit limit..that is a violation as well and thats just from what my untrained eye see 's ... i have circled all inconsistencies

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 2021-07-16
Company: ID Analytics, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I ( as a Consumer under 15USC 1692a ( 3 ) protected under Federal laws ) never gave Sagestream my written consent to share any of my personal information with any consumer reporting agency, under 15USC 1681b ( a ) ( 2 ). And 15USC 1681a ( 4 ), my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a credit notification of this company called CAPIO PARTNERS and XXXX  XXXX as the original biller for the total amount of {$4600.00}. I know this total to be incorrect, so I contacted XXXX  XXXX, which is now XXXX, and they confirmed the balance I have is {$2600.00} and it is not in collections because its for recent procedures that occurred in XXXX - XXXX and are still waiting on insurance processing. I contacted Capio and explained to them what XXXX told me and they refuse to send me proof of what they are billing. They are on all 3 credit reports of mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12
Company: HGREG.com
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I previously sent this dealership HGREG XXXX XXXX XXXX a cease and desist as well as an Affidavit of Truth on or about XX/XX/2020. I received NO response from this dealership so I am resubmitting this case to them through certified mail, process server and through this CFPB portal. 
HGREG XXXX XXXX XXXX has committed several violations of Federal Law most importantly violating the 15 USC 1601 Truth In Lending Act [ TILA ] by having practices that are inconsistent with the Truth In Lending Act. 
HGREG XXXX XXXX XXXX has communicated with me through text on my work phone ( without my consent ) in an attempt to threaten me and unlawfully seize my property ( Which I have proof of ) AFTER receiving my cease and desist prior to. ( Which I have proof of ). I Notified the agent ( who would not give their name ) not to text me and about my cease and desist order yet they still attempted to harass and threaten to seize my property. I do NOT owe this company ANY alleged debts, HGREG XXXX XXXX XXXX has unlawfully placed a lien on my property that I have already paid for via my credit card ( social security card ) and my open end consumer credit plan. 
HGREG XXXX XXXX XXXX used material misrepresentation to deceive me as a consumer, and intentionally omitted vital information preventing me from ascertaining the true facts of my purchase with this company. 
HGREG XXXX XXXX XXXX engages in practices that are not consistent with the requirements from the 15 USC 1601, Truth In Lending Act, which prevents me as the consumer involved from conducting consumer credit sales/transactions that are equitable to me. I am making a dedicated and detailed record of all HGREG XXXX XXXX XXXX unlawful practices should I need to take further action against them. In the mean time I am enforcing my rights and demanding that they cease and desist these unlawful attempts to threaten, XXXX XXXX XXXX XXXX including attempting to unlawfully seize my property, which is mine by right as a Federally protected consumer and natural person. 
I have also included the XXXX XXXX that was sent a Cease and Desist order due to XXXX of the employees attempts to impersonate an attorney through text in order to defraud me and unlawfully attempt to seize my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, two charges were made to my account that were unauthorized ; one in the amount of XXXX and the other XXXX. These were charged by XXXX XXXX. I contacted XXXX on that date to find out what was going on ; they told me no charges were made to my account. I contacted Schools First to file a claim ; I was given a provisional credit while they investigated. I gave them everything I had regarding the transactions. On XXXX these fees were reversed. I was asked to provide additional information from XXXX XXXX which states I did not charge this to my account. I do not have confirmation because I did not make the transaction ; it was fraud! XXXX states they did not charge my account. On XX/XX/XXXX I contacted XXXX again and was told I had to file a complaint online but it could take 30 days. The confirmation/ case # is XXXX. I am filing this complaint because it is close to the 60 day mark in which the transaction was made. I just want this problem resolved and my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Resurgent Capital Services L.P.
State: WV
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
The company LVNV funding lll in the amount of {$480.00} is reporting as a collection/charge off I have asked for them to remove it, or provide me with my authorization or signature proving this is my debt and have had no response. I would like it completely removed off my credit report as it is affecting me financially and I am trying to build my credit and they refuse to help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: SYNCHRONY FINANCIAL
State: GA
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 would like the following inquiries to be deleted, I did not authorize these companies to run my credit. This is fraudulent. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Innovis
State: GA
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 a formal complaint and report that my identity has been stolen, various accounts had been opened in my name with out my knowledge, I'm requesting this information listed below be removed from my consumer credit file, I have file an id theft report that is attached to this complaint, please help me to fix this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Experian Information Solutions Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never done any type of business with XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX. The accounts are errors and need to be removed at once. I am in the middle of closing on my new home and these errors are holding me up from my new home purchase. I have attached a copy of my ID and SS and a request for a

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 2023-07-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$10.00}.

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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-03-17
Company: Netspend Corporation
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
i made complaints over the phone in the past about Netspend. This company has stolen hundreds of dollars and it is time that they pay the month of XXXX and XX/XX/2020 they stole {$60.00} then {$160.00} and yesterday XX/XX/XXXX I realize {$50.00} was stolen and now Netspend has made it impossible for me to login my account and every time I call the automated voice mail states that they're not taking any calls then say good bye and then hang up.

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 2022-10-14
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover cards closed my account stating that I needed to pay at least the minimal amount, which I have. 
This is an adverse action it is discrimination and unlawful. It is prohibited by title 15 USC 1691. For the purpose of this subsection adverse actions means a denial or revocation of credit the scope of this chapter is prohibited it is a discrimination.

Company response to consumer: Closed with explanation